Commercia;l properties loans recall after 10 years

[Atul Mohlajee]

I bought two commercial properties in 2017.  Both of them have 10 year loans that are fixed for first five years and adjustable rate for the last 5 years.  Both these loans are amortized over 25 years and I have decent cash flows here.  The lender told me that loans are due at the end of 10 years when I can either pay them off or refinance.  I am worried if I am unable to refinance do I lose properties?  My credit and cash flow situation is pretty good but I am thinking of worst case scenarios.  Has any of you lost sleep over tis issue that commercial loans are only 10 years and ot 15 or 30 years like residential.  Please share your experiences/thoughts.