WFC Lending
Small Balance Commercial
Loans
Long-term financing for stabilized, income-producing commercial property.
Longer-term financing for stabilized small-balance commercial assets, with multiple fixed-period options.
How small balance commercial financing works
Apply
Share the stabilized property's numbers — rent roll, operating statement, and purchase or refinance details. We underwrite the asset's income.
Underwrite on Cash Flow
We qualify the deal on the property's cash flow, not just the borrower's personal financial profile.
Close & Fund
Choose your fixed-period term — 1, 2, 5, or 10 years — and close, typically in 15–45 days.
Program highlights
- 1st lien position only
- Interest-only payments
- Asset-based "common-sense" underwriting
- Prepayment terms vary by the fixed-period term selected — confirmed in your term sheet
- $250K – $10M loan size
- 1 / 2 / 5 / 10-year terms
- Closings in 15–45 days
Eligible property types
Bank Statement documentation excludes multifamily, self-storage, and mobile home communities.
Small balance commercial loan FAQs
What loan amounts do you offer?
Small Balance Commercial loans range from $250K – $10M, with 1, 2, 5, and 10-year fixed-period term options.
What property types do you finance?
We finance Multifamily (5+ units), Mixed-use, Office, Retail, Warehouse / light industrial, Self-storage, Mobile home communities, Automotive, Restaurants, and Daycares. Bank Statement documentation excludes multifamily, self-storage, and mobile home communities. This program is commercial-property-only — it does not include single-family (1-4 unit) residential.
Do you have a minimum credit score?
Yes — Small Balance Commercial requires a minimum 650 FICO.
What fees should I expect?
As a commercial program, expect origination of 1.75%-2.75%, appraisal priced per project, underwriting of $2,495-$4,995, processing of $2,495-$4,995, and legal of $2,495-$4,995. Exact fees are confirmed in your term sheet.
How do I apply?
Start with our quick application, which hands off to our secure lender portal. You can also call us at our main line during business hours — we generally respond in 1-3 hours.
Typical fees
Fees shown where stated. Rates, fees, terms, and timelines are subject to change without notice.
Ready to finance your small balance commercial property?
Generally, we respond in 1–3 hours.