Corporate & Commercial Lending
Business financing that grows with you.
Your next opportunity may call for more working capital, new equipment, another property, or room to build.
Explore commercial lending solutions designed for established businesses, real estate investors, builders, and developers.
Corporate & Commercial Lending
Business financing that grows with you.
Flexible lending solutions, competitive rates, and local expertise help you invest in your business with confidence.
Corporate & Commercial Lending
Business financing that grows with you.
Flexible lending solutions, competitive rates, and local expertise help you invest in your business with confidence.
IS THIS A GOOD FIT?
Three signs you're in the right place.
You're Already an Established Business
You've been in business for at least three years and have a solid financial history to build on.
Your Capital Needs to Grow
Maybe you need extra cash for day-to-day expenses, want to buy equipment, purchase a business, invest in property, or start a new project.
You're ready to build a banking relationship with a lender who understands your business. A Luminate Bank® deposit relationship is required for commercial loans.
You're Looking for More Than a Loan
COMMERCIAL LENDING SOLUTIONS
Financing built around what’s next.
From working capital and equipment to real estate, acquisitions, and construction, explore commercial financing options designed around your business and the opportunity ahead.
Commercial & Industrial
Access financing for day-to-day needs, business assets, ownership changes, and other opportunities that can help your company move forward.
Commercial & Industrial
Access financing for day-to-day needs, business assets, ownership changes, and other opportunities that can help your company move forward.
Operating Line of Credit
Good fit for: Businesses managing inventory or money owed by customers.
Keep working capital available for seasonal needs, operating expenses, inventory, or new opportunities without applying for a new loan each time.
Equipment Financing
Good fit for: Buying or refinancing equipment or vehicles.
Finance equipment your business depends on while keeping more cash available for other priorities.
Business Acquisition
Good fit for: Buying a business or completing a partner buyout.
Explore financing for a qualified acquisition, ownership transition, or partner buyout.
Commercial Real Estate
Finance property for your own business or explore loans for qualified investment properties and experienced real estate investors.
Commercial Real Estate
Finance property for your own business or explore loans for qualified investment properties and experienced real estate investors.
Owner-Occupied Commercial Real Estate
Good fit for: Buying or refinancing your own space.
Purchase, refinance, or improve qualifying commercial property where your business operates.
Multifamily Investment Real Estate
Good fit for: Experienced multifamily investors.
Finance qualifying multifamily investment properties with a structure built around the property and opportunity.
Investor Commercial Real Estate
Good fit for: Non-residential investment properties.
Explore commercial real estate financing for qualifying properties held primarily as investments.
1-4 Family Investment Real Estate
Good fit for: Portfolios held within a business entity.
Finance qualifying residential investment properties held within a business entity.
Real Estate-Secured Line of Credit
Good fit for: Investors accessing equity without selling.
Turn available equity in qualifying real estate into flexible access to capital.
Construction & Development
Financing for experienced builders and developers. Explore financing for residential construction, commercial development, multifamily projects, and qualifying land opportunities.
Construction & Development
Financing for experienced builders and developers. Explore financing for residential construction, commercial development, multifamily projects, and qualifying land opportunities.
1-4 Family Builder Construction
Good fit for: Builders with ground-up construction experience.
Finance qualifying residential construction projects from land and planning through completion.
Multifamily & Commercial Construction
Good fit for: Commercial developers and 5+ unit projects.
Explore construction financing for qualifying multifamily and commercial projects.
Land Purchase & Development
Good fit for: Residential and commercial developers.
Finance qualifying land acquisition and development opportunities as you prepare for future construction.
A LENDER IN YOUR CORNEr
Commercial lending is personal.
Your business, property, timeline, and goals are different. Work directly with a commercial lender who takes the time to understand them.
Your Lending Team
Meet the people behind the loans.
Connect directly with a commercial lender who can learn about your business, answer your questions, and help you determine the right next step.
Aaron Kaslow
SVP Commercial Lending
Chris Futrell
VP - Business Banking Officer
Travis Peterson
Business Banker
Josh Sargent
Business Banking Officer
Steve Marcheck
Chief Credit Officer
Jay Burtelson
Portfolio Manager
Why Choose Luminate Bank?
#1 place to work
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GEOGRAPHIC COVERAGE
Commercial lending, nationwide.
Your business opportunities don't always stop at state lines. Commercial lending is available in 40 states, giving qualified businesses and investors access to financing across a broad geographic footprint.
Some products have additional location restrictions. Your commercial lender can help you understand what is available for your property, project, or business.
COMMERCIAL LENDING FAQS
Questions before you get started?
Here are a few things to know as you consider commercial financing for your business or investment.
What types of commercial loans does Luminate Bank offer?
Luminate Bank's options include operating lines of credit, equipment financing, business acquisition financing, commercial real estate loans, investment real estate financing, real estate-secured lines of credit, construction financing, and land development financing.
What can a business line of credit be used for?
A business line of credit can provide flexible access to working capital for inventory, seasonal expenses, and other qualified operating costs.
Does Luminate Bank finance commercial real estate?
Yes. Financing may be available for owner-occupied properties and qualifying multifamily, non-residential, and residential investment properties.
Does Luminate Bank offer commercial construction loans?
Construction and development financing is available for qualified, experienced builders and developers.
How do I know which option is right for my business?
Start with a conversation about your business, financing need, timeline, and goals. Your Luminate Bank commercial lender is a professional with years of experience helping business owners like you.
How long does commercial loan approval usually take?
Commercial loan approval timelines vary based on the type of financing, the complexity of the request, and how quickly required documentation is provided. Your Luminate Bank commercial lender can review your financing needs, explain the process, and provide a clearer idea of what to expect based on your specific request.
What if my business has been operating for less than three years?
Luminate Bank typically works with established businesses that have at least three years of operating history. If your business is newer, talk with a commercial lender about your situation. Eligibility and financing options depend on the business, financial history, loan type, and other qualification requirements.
What documents do I need to apply for a commercial loan?
Documentation requirements vary by loan type and borrower. To get started, you may be asked for business and personal financial information, tax returns, financial statements, and details about the property, equipment, acquisition, or project being financed. Your commercial lender will provide a specific document list based on your financing request.
Let's Talk
Ready to explore your options?
Tell your commercial lending team what you're working toward. You'll get a straightforward conversation about your goals, potential financing options, and what comes next.
