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Commercial real estate loans for foreign borrowers
Finance to buy, refinance or improve commercial property, arranged in USD through independent lenders.
What this financing is and how we arrange it
Property finance is assessed on two things: the strength of the borrower and the value and income of the building. We help business owners prepare applications and connect with independent lenders that lend across borders, with expert advice to improve your chances of approval.
If you are buying a whole company rather than premises, see business acquisition loans.
When it fits
- Owner-occupiers buying a warehouse, office or shop
- Landlords refinancing an income-producing property
- Businesses releasing capital tied up in premises they already own
- Investors based outside the property’s country of location
What lenders typically ask for
- Title or purchase documents and a property description
- A valuation or the information a lender needs to commission one
- Rental agreements and income history for investment property
- Company documents, ownership structure and ID for owners
An illustration
A manufacturer wants to buy the USD 1.2 million warehouse it currently rents. It provides the sale agreement, three years of accounts and company details. Lenders value the property independently and decide how much they will advance against it; the borrower puts in the balance.
For illustration only. This is not an offer, rate or quote.
How it compares
Real estate loans run longer than other business loans and always involve security over the property, unlike unsecured small business loans. Because they are slower to complete, plan for valuation and legal checks before you commit to a purchase date.
JP Lending helped me secure funding to open my new office overseas, and the experience was flawless. No upfront fees, clear communication, and fast approvals. I felt supported throughout. They truly care about helping businesses succeed
Frequently asked questions
Can foreign owners borrow against local property?
Often yes, but rules on foreign ownership and security differ by country. The lender and local counsel confirm what is possible.
Is a valuation required?
Yes, lenders almost always commission or require an independent valuation of the property.
Can the loan be used for renovation?
Many lenders finance improvements as well as purchases. Provide contractor quotes so the lender can assess the work.
Related financing options
Business acquisition loans
Finance to buy an existing company, with the target’s cash flow in view.
Loan typeBusiness expansion loans
Funding to open a new site, enter a new market or scale up operations.
Loan typeLow interest business loans
How to improve your chances of competitively priced finance.
Ready to apply for business funding?
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