Commercial Real Estate Loans

Clarkston State Bank’s team of experienced business bankers have the knowledge and local insights to help you through the process of purchasing, refinancing or improving your commercial property. We can provide the financing that will be on terms that work best for you.

  • Available for owner occupied or investor real estate
  • Fixed or variable rates
  • Amortizations up to 20 years
  • Our loan decisions are made locally here in Michigan

The rewards of owning commercial real estate can be significant for you and your business. Whether you need to remodel or expand your space to accommodate growth, we can guide you in making the best decision. Our experienced Business Bankers assist you in choosing the best solution(s) that meet your cash flow ability, and coordinate the financing option that best meet your needs such as fixed or variable rate options.


Property Types and Commercial Real Estate Loans

Commercial real estate property generally has some type of commercial designation. Most commercially zoned properties have some type of business operating there, i.e. retail operation, restaurant, industrial/manufacturing, warehousing, and other special use operations such as mini storage, gas station, etc. Some properties, such as vacant land, agricultural, and certain environmentally hazardous property types typically are not eligible.

These properties are considered owner occupied if common ownership exists between the owner of operating entity and the real estate holding company. If no common ownership exists between the property and the operating entities; the property is considered Investment Real Estate.

Financing options are available for both owner-occupied business property as well as non-owner occupied office buildings, retail centers, multi-use properties, apartment buildings and other types of commercial investment property. Clarkston State Bank offers financing options for most owner-occupied commercial properties through either conventional or SBA loan options, and conventional loans for investment real estate properties.


Michigan’s Leading Commercial Property Lender

If you plan to purchase a commercial property, construct a building, or are seeking to refinance your existing debt, call us to discuss the available options that can help you take advantage of a commercial real estate loan with Clarkston State Bank.



For more information, please contact our loan department at (248) 922-2700