Investment/Income Commercial Real Estate
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Financial Solutions for Real Estate Owners and Investors

Merrill Lynch combines local market expertise with experienced underwriting to provide customized solutions to meet your commercial real estate financing needs. We offer loan configurations, including fixed-rate senior financing on income-producing commercial properties, floating-rate senior financing, structured financing on transitional properties, mezzanine financing, and high-yield debt and equity secured by institutional properties.

  • Get expert advice to structure a real estate loan that meets your specific requirements
  • Obtain a customized financing solution that meets your individual needs

Compare Investment/Income Commercial Real Estate Loans

Loan type Range Basis Term Amortization Notes
Fixed-Rate Senior Financing $3 million to $500+ million   5 to 20 years Negotiable Loan-to-value (LTV) ratio: 70% to 80%. Add on Mezzanine up to 90% LTV
Floating-Rate Senior Financing $10 million to $40+ million Typically LIBOR based 3 to 5 years Negotiable  
Mezzanine Financing $2 million to $15 million Typically floating-rate, LIBOR based 3 to 5 years Negotiable  
Construction Lending $10 million to $40 million Typically floating-rate, LIBOR based 3 to 5 years   Advance rates up to 85%

Non-recourse

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For more information call 1.866.4ML-BUSINESS (465-2874) or e-mail us at AskMLBiz@ml.com.

Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker-dealer, not a bank, and the WCMA account is not a bank account. Banking services are provided by licensed banks or by third parties through arrangements with licensed banks. Unless otherwise indicated, investment products are not FDIC-insured, not guaranteed by a bank and may lose value.

Owner-occupied commercial real estate financing is offered through ML Commercial Finance Corp. Investment/income commercial real estate financing is offered through Merrill Lynch Mortgage Lending, Inc. Real estate financing is not available in all states. Specific program options and property types are not available in all states and are subject to change. Certain conditions, restrictions and costs may apply.


Financing, including the WCMA Reducing Revolver loan, is through Merrill Lynch Commercial Finance Corp., 222 North LaSalle Street, 17th Floor, Chicago IL 60601-California Loans made pursuant to a Department of Corporations California Finance Lenders license.  Programs, options and property types are not available in all states and are subject to change.  Certain conditions, restriction and costs may apply, Not all features are available with all programs.  All loans are subject to credit review and approval. 


The above loan details and loan terms/process are for illustrative purposes only. Specific loan or program options, terms and features may not be available in all States and are subject to change. Interest rates and spreads are subject to market fluctuation. Certain conditions and restrictions may apply. This document does not represent an offer or commitment to make any mortgage loans or investments. Mortgage loans are offered and funded by Merrill Lynch Mortgage Lending, Inc., or through an affiliated company, only to qualified commercial borrowers and only in those States where it is licensed to originate commercial mortgage loans. All loans are subject to credit review and approval. California loans are made pursuant to a Department of Corporations California Finance Lenders License. The information provided herein is not guaranteed and is subject to change without notice and to errors and omissions.