Explore Commercial Loan Options

Flexible Financing Programs for Purchases, Refi, Construction & More

Agri-One Financial helps clients secure commercial real estate financing through a wide range of programs — from traditional full documentation loans to flexible alternatives like SBA, USDA, stated income, and even hard money options.

Whether you’re buying, refinancing, expanding, or stabilizing a property, we’ll help match you with the right loan type based on your goals, timeline, and documentation.

Understanding Your Options

  • Best rates and terms

  • Requires complete income verification, tax returns, and financials

  • Ideal for borrowers with strong documentation and stable income

  • Lower risk for lenders → better pricing for you

  • Typically required for larger loan amounts or stabilized properties

  • No personal income verification or tax returns required

  • Based on property performance and borrower credit

  • Allows for cash businesses and self-employed borrowers

  • Often used for investment properties, self-storage, retail, etc.

  • Credit scores 680+ recommended

  • Rate and term refinance to reduce interest or change loan structure

  • Cash-out refinance to access equity

  • Available for most property types: apartments, retail, hotels, etc.

  • SBA, conventional, and private refinance programs available

  • Used to acquire buildings, equipment, or vehicles

  • 100% financing may be available (including soft costs)

  • Lease payments may be tax deductible as business expenses

  • Preserves your credit lines and working capital

  • Mezzanine financing

  • Second-position equity loans

  • Hybrid loan strategies

  • Creative packaging for complex deals