What is Office Building Loans?
Office building loans provide commercial real estate financing for a wide range of professional properties including Class A, B, and C office buildings, medical and dental office complexes, co-working spaces, and professional services buildings. These loans are structured based on the property's lease income, tenant quality, and market position.
At Roxford Holdings, we offer both owner-occupied and investment office building financing with programs including conventional commercial loans, SBA 504 and 7(a) loans for owner-occupied properties, and portfolio lending for investment properties. Our underwriting takes into account tenant creditworthiness, lease terms, and occupancy rates.
Medical office buildings are a particularly strong sub-sector, often commanding premium valuations due to the stability of healthcare tenants and the specialized build-out requirements that create high switching costs. We have specific expertise in medical office financing with streamlined programs for healthcare professionals.
How it compares: Office building loans focus heavily on tenant credit quality and lease terms. Owner-occupied properties may qualify for SBA loans with lower down payments (10-15%).
Who Qualifies for Office Building Loans?
How to Apply for Office Building Loans
Submit property details including rent roll, lease abstracts, and financial statements
Receive a customized term sheet based on property income and tenant quality
Complete commercial appraisal including income and cost approaches
Provide environmental Phase I assessment and property condition report
Close on your office building loan — typically within 45-75 days
Key Features
Benefits
Requirements
Strong tenant creditworthiness
Lease documentation required
Environmental assessments
Professional property management
Market analysis documentation
Frequently Asked Questions
Lenders typically require current lease agreements, tenant credit information, and rent rolls. Strong, long-term leases with creditworthy tenants improve loan terms and approval chances.
Yes, owner-occupied office buildings may qualify for SBA loans with lower down payment requirements, typically 10-15% instead of the standard 20-30% for investment properties.
Ready to Get Started with Office Building Loans?
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"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc