Commercial Real Estate Loans & Direct Commercial Lending Nationwide
First National is a direct commercial real estate lender providing structured financing solutions for income-producing properties nationwide. For over four decades, we have delivered commercial mortgage loans, bridge loans, acquisition financing, and refinance solutions backed by internal underwriting and direct decision-making.
We support projects in both primary and secondary markets across the United States, working with borrowers seeking flexible, asset-based capital.
As a principal lender, we fund and service our own loans, ensuring transparency, efficiency, and long-term borrower relationships.
Types of Loans Available
A Direct Commercial Real Estate Lender
First National operates as a direct commercial lender. This means borrowers work directly with the institution providing the capital.
Because underwriting and due diligence are handled internally, we offer:
Direct communication with decision-makers
Faster loan approvals
Structured loan terms tailored to asset performance
Consistent servicing from closing through maturity
Our streamlined process eliminates intermediary layers, allowing transactions to move efficiently from application to funding.
Commercial Real Estate Loan Programs
We provide financing for stabilized and value-add commercial properties across multiple asset classes.
→ Commercial Bridge Loans
Short-term bridge financing for acquisitions, repositioning strategies, and transitional properties. Typically structured with competitive leverage and interest-only options.
→ Commercial Acquisition Loans
Permanent financing solutions for property purchases, structured around asset cash flow and market fundamentals.
→ Commercial Mortgage Refinance
Refinance existing commercial real estate loans to improve terms, adjust leverage, or enhance long-term financial performance.
→ Construction & Development Financing
Funding for ground-up development and property improvements designed to maximize asset value.
Structured Loan Terms Built Around Asset Performance
Our commercial real estate loans are evaluated based on property fundamentals and sponsorship strength. Depending on the asset and borrower profile, loan structures may include:
Competitive loan-to-value (LTV) ratios
Debt service coverage ratio (DSCR) underwriting
Fixed or floating rate options
Recourse and non-recourse structures
Each transaction is assessed individually to align financing with investment objectives.
Commercial Real Estate Loans by Property Type
We provide financing across a wide range of commercial asset classes, including:
First National offers business loans for many businesses. For example:
- Golf Courses & Private Clubs
- Assisted Living Facilities (ALFs)
- Auto Dealerships
- Hospitality (Hotels/Resorts)
- Marinas
- Healthcare, Hospitals & Medical Businesses
- Office Buildings
- Retail & Mixed-use
- and, much more.
Contact a Banker
Why Borrowers Choose a Principal Commercial Lender
Working directly with a commercial mortgage lender offers advantages that extend beyond funding.
→ Direct Accountability – We fund our own loans. Therefore, responsibility and transparency remain internal.
→ Efficient Decision-Making – Without intermediaries, approvals and adjustments occur more quickly.
→ Long-Term Relationship Focus – Because we service our own loans, we remain engaged beyond closing.
Speak With a Commercial Lending Specialist
If you are seeking commercial real estate financing, bridge loans, acquisition funding, or refinance solutions, contact our team directly.
Call 212-244-7400
Email info@firstna.com
