Office & Retail Properties
Explore financing strategies for office and retail properties, with the structure matched to cash flow, assets, transaction purpose and timing.
Financing Starts With the Business Model
CMCC reviews the financing objective in the context of the company's cash flow, collateral, operating cycle, ownership and transaction structure. Industry labels help frame the review, but they do not replace underwriting.
- Acquisition and ownership transition
- Working capital and liquidity
- Equipment and vehicles
- Owner-occupied or investment real estate where applicable
- Debt restructuring and expansion
Have an Office & Retail Properties scenario?
Send CMCC the non-sensitive facts and objective. We will identify the information needed for a proper initial review.
Request a Review →Office & Retail Properties: What Funding Sources Typically Look At
Office and retail properties are evaluated on tenant quality, lease length and remaining term, occupancy and net operating income. Funding sources pay close attention to rollover risk, meaning how much rent is up for renewal soon, and to the location and condition of the property.
Common Financing Uses
- Acquiring multi-tenant office or retail property
- Refinancing a stabilized property
- Funding tenant improvements or lease-up
- Owner-occupied office or retail purchases
Documentation Typically Requested
A rent roll with lease expirations, copies of key leases, operating statements and details on any planned improvements.
Illustrative Scenario
An owner of a small shopping plaza might show lease expirations and tenant mix to support a refinance.
Hypothetical example for illustration only. It is not a CMCC client, a prediction or an approval.
Financing paths and guides
Related industries
Match the Capital to the Business Need
The right structure depends on what the business is financing, how repayment is supported, the available collateral and the timing of the transaction.
Commercial Real Estate
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EXPLORE →DSCR Calculator
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EXPLORE →LTV Calculator
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EXPLORE →Ready to discuss a real Office & Retail Properties request?
Start with a non-sensitive review or move directly to the commercial financing application.