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Business Real Estate Financing

Commercial mortgages at competitive rates

Whether you want to take advantage of the equity in your business or investment property, refinance an existing real estate loan, or purchase a commercial property, Business Real Estate Financing offers several solutions which can help you meet your business needs. 

Put Your Business Real Estate to Work for You

 Wells Fargo Commercial Equity Line of Credit Wells Fargo Commercial Equity Loan Wells Fargo Commercial Refinance Loan Wells Fargo Commercial Purchase Loan
This Solution OffersA real estate-secured revolving line of credit to use for many business needs.A real estate-secured loan to use for many business needs. A real estate-secured loan to use for refinancing an existing commercial mortgage.A real estate-secured loan for the purchase of a commercial property.
Ideal ForBusiness owners or real estate investors who want to leverage the equity in their commercial property and/or need a higher line of credit amount.Business owners or real estate investors who want to leverage the equity in their commercial property for large business expenditures.Business owners or real estate investors who want to refinance their commercial loans; includes cash-out opportunities.Business owners or real estate investors who are expanding to a new location, leasing workspace and ready to own, or looking to purchase commercial property.
Credit Amount$50,000 to $500,0001 $50,000 to $500,0001 $50,000 to $750,0001 $50,000 to $750,0001
RateVariable rate tied to Prime-Based2 Fixed or Prime-Based3 Fixed or Prime-Based3 Fixed or Prime-Based3
CollateralSecured by commercial property valued up to
$3 million1 (Owner-occupied or investment).
Secured by commercial property valued up to
$3 million1 (Owner-occupied or investment).
Secured by commercial property valued up to
$3 million1 (Owner-occupied or investment).
Secured by the commercial property to be purchased, valued up to $3 million3 (Owner-occupied or investment).
 
1 Up to 80% on Purchase Loans; and up to 75% on all other loans/line depending on property type, lien position, and/or geography.
2 The index for the Prime-Based loan is the Wells Fargo Prime Rate. The interest rate for the loan will be adjusted with each change in the Wells Fargo Prime Rate. The payment will be fixed for 12 months and adjust only once per year on the anniversary of the loan. Any over or under payment of accrued interest resulting from a rate change, will be applied to the borrower’s balance. The reamortized payment will be calculated annually, using the remaining term, current balance and Wells Fargo Prime Rate then in effect. Restrictions may apply. Some properties may require an environmental loan insurance policy. Only loans/lines in 1st position are eligible. Policy costs range from $800-$1,200. This is a one-time cost and varies based on risk, loan term and loan amount.
3 You will need to pay a non-refundable deposit of up to $1,000 when accepting the terms of any loan or line of credit. Your deposit will be credited at closing against the origination fee (if any) and environmental insurance fee (if any) payable by borrower in connection with the transaction. If your deposit exceeds the origination and environmental insurance fees amount due at closing, you will be reimbursed for any overage. If the state or other taxing authority imposes a tax or fee on the filing of a mortgage or a deed of trust, or if the bank determines that environmental or flood insurance is required, any applicable fees are your responsibility. All financing is subject to credit approval.
Terms for credit products are subject to final credit approval of the business and its owners. A physical address is required to receive a Wells Fargo business credit product. You must be an owner of this business and not already have this product. See Terms and Conditions for details at account opening.
Equal Housing Lender