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Commercial Real Estate Equity Loan

Commercial Equity Loan details
  • Available to established Wells Fargo customers for their owner-occupied property
  • $50,000 to $500,000 loan amount
  • No escrow, title policy, or lender closing costs
  • No origination or appraisal fees
  • Rate lock without fees

Great For

  • Funding property improvements
  • Expanding your business
  • Purchasing large equipment

Other Features

  • Second lien position available on most property types
  • Competitive rates – fixed or prime-based adjustable
  • Wide variety of term options
  • Rate and fee match assurance so you are confident with the offer you are provided


Annual fee. None

Early closure fee for prime-based loans. $3,000 when closed within the first 3 years

Pre-payment fee for fixed rate loans. 3% of prepaid amount in years 1 through 3; zero thereafter

Eligible Property Types

  • Office
  • Retail
  • Warehouse
  • Light industrial
  • Mixed-use
  • Multi-family (5+ units)
  • Commercial Condo (first lien position only)
  • Special purpose (first lien position only)

    • Generally accepted special purpose

    • Auto repair/auto body/car wash
    • Convenience store
    • Dental or medical facility
    • Funeral home/crematorium/mortuary
    • Gas station (up to 10 years old)
    • Health club/gym
    • Ice or roller skating rink
    • Movie theater
    • Parking garage
    • Refrigerated warehouse
    • Restaurant
    • School (non-public, daycare, or preschool)
    • Self-storage facility
    • Skilled nursing or assisted living facility

Why an equity loan?

Use the equity in your commercial real estate to finance business expansion, equipment upgrades, and property improvements.