Built for Your Business. Backed by People Who Know Your Community.
At Exchange Bank, we know that the right location can make all the difference. Whether you’re purchasing, building, or refinancing commercial property, our team is here to help you secure financing that supports your goals today and into the future.
We take the time to understand your business, your property, and your vision so we can structure a loan that works for you.
Real Estate Financing Built Around Your Business
From small offices to large developments, we offer flexible financing solutions designed to meet the needs of local businesses and investors.
Our commercial real estate loan options include:
- Owner-occupied property financing
- Investment property loans
- Construction and development loans
- Refinancing existing commercial properties
- Expansion or renovation financing
Not sure which option fits your project? Our lenders will walk you through it and help you find the right path forward.
Local Expertise You Can Count On
With local decision-making and a team that understands our markets, we’re able to move quickly and provide guidance you can trust. We’re not just financing properties—we’re investing in the businesses and communities we serve.
Let’s Build What’s Next—Together
Whether you’re opening a new location, expanding your footprint, or investing in commercial property, Exchange Bank is ready to help.
Call or visit your nearest Exchange Bank location to speak with a commercial lender.
Common Questions
What is a commercial real estate loan?
- A commercial real estate loan helps finance property used for business purposes, such as office buildings, retail spaces, warehouses, or multi-use developments.
What types of properties can be financed?
We finance a variety of commercial properties, including owner-occupied buildings, investment properties, retail spaces, office buildings, and more. If you have a specific project in mind, our lenders can help determine eligibility.
Can I use a commercial real estate loan to build a property?
Yes. We offer construction and development loans to help you build from the ground up, as well as financing for expansions or renovations of existing properties.
What is the difference between owner-occupied and investment property loans?
Owner-occupied loans are for properties your business will primarily use. Investment property loans are for properties you plan to lease or hold as an income-producing asset.
How much can I borrow?
Loan amounts vary based on the property, your financial profile, and your business goals. Our lenders will work with you to structure financing that fits your needs.
What is the typical term for a commercial real estate loan?
Terms can vary, but many commercial real estate loans are structured with fixed or adjustable rates and amortization schedules that align with your business plans.
How long does the process take?
Because decisions are made locally, we’re able to move efficiently. Timing can vary depending on the complexity of the project, but our team will guide you through each step.
Do I need to have an existing relationship with Exchange Bank?
No, but we’d love the opportunity to start one. Our team is here to make the process smooth whether you’re a current customer or new to Exchange Bank.
Do you offer SBA loans for commercial real estate?
Yes. Exchange Bank offers SBA lending options, including loans that can be used for owner-occupied commercial real estate. SBA loans can be a great solution for businesses looking for longer terms or lower down payment options. Our lenders will walk you through the process and help determine if an SBA loan is the right fit for your project.
A variety of accounts – for every business need
Our experienced Customer Service Representatives are available to spend quality time with you to be sure you select the options that best meet your financial needs. We’re here to help!