Commercial Loans Under $5M — What’s the Current Market Like?

Commercial Loans Under $5M — What’s the Current Market Like?

Lender · Albermarle, NC · Member since 2025 · 237 posts · 90 votes

Small to mid commercial deals (< $5M) are hot again. Many investors are combining private funding + traditional debt to get deals done.

What’s your take — are banks still involved, or is private money driving these deals now?

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  • Member since 2025 · 23 posts · 12 votes
    10mo

    Banks are definitely still involved, from what I'm seeing, even if brokers and borrowers might need to cast a little wider of a net to find one interested.

    For reference, about 2/3 of the loan quotes in the past 24 hours that've come through the lender matching platform I work for have been from banks. Last 24 hours is a bit of a small sample size, but glancing back over the past week, there have been a lot of bank and CU activity for small and medium-sized deals. (Decent amount of private money too, of course, but at a glance the bank/CU activity is pretty significantly higher.)

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