--- description: Commercial mortgage refinance solutions with access to 60+ private lenders, pre-underwriting guidance, bridge, SBA, CMBS, and cash-out options. --- # Flexible Commercial Mortgage Refinance Solutions Refinance commercial property debt with guidance built around your asset, cash flow, and long-term capital goals. Stirling Capital Group helps business owners, investors, and developers compare private lending options, restructure existing debt, pursue better terms, and access capital when conventional bank financing is too slow, restrictive, or unavailable. Book NowCall Us ![Commercial mortgage refinance consultation](https://file-host.link/website/stirlingcg-6tf6lq/assets/refined-images/1782145843364396_cff442bc01e347968ae061db6ecb2627/1080.webp) ## Our Commercial Mortgage Refinance Solutions Services Commercial mortgage refinance options tailored to property type, debt structure, timing, and borrower goals. ### Conventional Refinance Refinance stabilized commercial assets through conventional structures designed for owner-occupied or investment properties, with guidance on terms, leverage, repayment strategy, and asset repositioning needs. [Learn More](/feeds/service/financing-owner-occupied-commercial-real-estate) ### Bridge Refinancing Secure faster, flexible refinance capital for transitional assets, maturing debt, acquisitions, repositioning plans, or time-sensitive opportunities that may not fit traditional bank underwriting. Book Now ### SBA Real Estate Access SBA refinance options for qualifying owner-occupied commercial real estate, offering attractive structures, longer repayment terms, and potentially lower equity requirements for operating businesses. [Learn More](/feeds/service/sba-504-loan-refinance) ### CMBS Loans Explore long-term fixed-rate CMBS financing with potential non-recourse structures, interest-only options, competitive terms, and assumable features for eligible commercial real estate assets. Book Now ### Rental Property Refinance multifamily or rental investment properties using DSCR-based, portfolio, interest-only, bridge, renovation, or cash-out structures tied to property performance and asset value. Book Now ### Stabilization Financing Transition projects from construction, lease-up, or renovation into longer-term permanent financing that supports stabilization, ownership objectives, and improved capital structure. [Learn More](/feeds/service/commercial-real-estate-construction-loans) ![Commercial refinance advisor reviewing property loan documents](https://file-host.link/website/stirlingcg-6tf6lq/assets/generated-images/1782145923661447_dc7cabffab234c4cb61d95720d066f4c/1080.webp) ## Our Commercial Refinance Process ### Review Your Current Loan Position We review the current mortgage, payoff requirements, property type, occupancy, income, borrower goals, and timing. This initial analysis helps determine whether conventional, private, bridge, SBA, CMBS, or other refinance channels may fit the transaction. ### Pre-Underwrite The Refinance Opportunity Stirling Capital Group pre-qualifies and pre-underwrites the opportunity before approaching lenders. This helps identify strengths, address potential concerns, and position the refinance with capital sources that understand the asset and requested structure. ### Compare Suitable Lending Sources With access to over sixty private lending sources, the firm evaluates multiple lending categories instead of forcing the deal into one credit box. Options may include permanent debt, bridge refinancing, cash-out structures, or specialty capital. ### Coordinate Terms And Execution Once the right direction is identified, the team helps coordinate lender discussions, requested documentation, and transaction priorities. The goal is an efficient path toward terms that support liquidity, stability, or long-term ownership objectives. Start Your Refinance Review The Stirling Difference ## Why Choose Stirling Capital Group? A strategic finance partner for borrowers who need more than a standard bank answer. ### Lender Access Access over sixty private lending sources across commercial real estate and specialty finance categories. ### Pre-Underwriting Authorized to pre-qualify, pre-underwrite, and originate loans for faster lender alignment. ### Flexible Options Evaluate multiple refinance paths rather than relying on one restrictive bank credit box. ### Personal Service Consultative guidance focused on capital timing, property strategy, liquidity, and borrower goals. ## Meet Stirling Capital Group Consultative commercial finance expertise led by Robert Gittings. Previous slideNext slide ![Portrait of Robert Gittings, Managing Partner at Stirling Capital Group](https://cdn.gushwork.ai/fallbacks/placeholder-1-1.png) ### Robert Gittings Managing Partner Robert Gittings serves as Managing Partner at Stirling Capital Group, a Columbus, Ohio-based commercial finance consultancy serving entrepreneurs, business owners, and investors across the continental United States, major Canadian cities, and Puerto Rico. With access to over sixty private lending sources, Robert leads the firm's consultative approach to identifying and originating customized capital solutions for clients who need flexible alternatives to traditional bank financing. He oversees the pre-qualification, pre-underwriting, and loan origination process, leveraging deep relationships with institutional lenders, private equity groups, and specialty finance sources. Robert is committed to delivering timely, tailored funding solutions that help clients seize competitive acquisition opportunities and drive business growth. His industry-agnostic network and dedication to total client satisfaction make him a trusted strategic partner for businesses at every stage. ## Frequently Asked Questions ### Can a commercial loan be refinanced? Yes. A commercial loan can often be refinanced to replace existing debt with a new loan structure. Borrowers may refinance to reduce payment pressure, access cash-out equity, extend amortization, move from bridge to permanent debt, or improve loan terms. The available options depend on property type, occupancy, income, collateral value, borrower strength, and the repayment path. ### What types of commercial mortgage refinance options are available? Common refinance options include conventional commercial real estate loans, bridge-to-permanent financing, SBA real estate financing for qualifying owner-occupied properties, CMBS loans, DSCR-based investment property loans, and private lender structures. Stirling Capital Group helps compare multiple credit sources rather than limiting borrowers to one bank’s criteria. ### Can I pull cash out when refinancing commercial property? A cash-out commercial refinance may be available when the property has sufficient equity, stable value, and a supportable repayment plan. Proceeds can potentially be used for expansion, debt consolidation, tenant improvements, acquisitions, or working capital. Lenders typically review loan-to-value, net operating income, debt service coverage, collateral quality, and borrower experience. ### What if my bank declined my commercial refinance? A bank may decline a refinance because of regulatory limits, property transition, insufficient seasoning, tenant concentration, lower DSCR, business volatility, or underwriting policy. Private and specialty lenders may still consider the transaction if the collateral, cash flow, exit strategy, and borrower plan are strong enough to support a customized structure. ### How long does a commercial mortgage refinance take? Commercial refinance timing varies by lender, asset type, documentation, and transaction complexity. Private bridge or specialty financing can move more quickly for time-sensitive needs, while SBA, CMBS, and permanent financing generally require more underwriting. Preparing rent rolls, financials, payoff statements, appraisals, and entity documents early can help reduce delays. ### What documents are needed for commercial refinance? Lenders commonly request current loan statements, payoff information, property financials, rent rolls, tax returns, borrower financial statements, operating statements, leases, entity documents, and property details. For owner-occupied properties, business financials may also be required. Stirling Capital Group uses pre-qualification and pre-underwriting to match documentation with suitable lender requirements. ### How are commercial refinance rates and terms determined? Pricing is based on the lender, collateral, leverage, property type, DSCR, borrower profile, loan size, term, and whether the request is conventional, bridge, SBA, CMBS, or private credit. Rather than quote one generic rate, Stirling Capital Group evaluates the transaction and compares suitable lending channels for structure, speed, and flexibility. ### Where does Stirling Capital Group offer refinance solutions? Stirling Capital Group supports commercial real estate and investment property transactions across the continental United States, with major Canadian cities and Puerto Rico also considered. The firm works through a network of private, institutional, and specialty lending sources, helping borrowers pursue refinance options across multiple property types and capital situations. ### Still Have Refinance Questions? Get direct guidance on your commercial refinance scenario. Talk to a Capital Advisor Trusted Capital Access ## Awards and Recognition ![Private lender network trust badge](https://file-host.link/certifications/_default/72x72.svg) ### Private Lender Network Access to over sixty private lending sources. ![Loan origination authority trust badge](https://file-host.link/certifications/_default/72x72.svg) ### Origination Authority Authorized to pre-qualify and originate loans. ![Debt and equity capital access badge](https://file-host.link/certifications/_default/72x72.svg) ### Debt Equity Access Debt and equity solutions for complex capital needs. ## Explore Your Commercial Refinance Options Share your property details, current loan structure, payoff needs, and timing. Stirling Capital Group will review the opportunity and help identify refinance options aligned with your goals. For immediate assistance, feel free to give us a direct call at [614-470-4716](tel:614-470-4716). You can also send us a quick email at [info@stirlingcg.com](mailto:info@stirlingcg.com). ### Contact Us Today +93+358+355+213+1+376+244+1+672+1+54+374+297+61+43+994+1+973+880+1+375+32+501+229+1+975+591+387+267+55+246+673+359+226+257+855+237+1+238+1+236+235+56+86+61+61+57+269+242+243+682+506+225+385+53+357+420+45+253+1+1+593+20+503+240+291+372+251+500+298+679+358+33+594+689+241+220+995+49+233+350+30+299+1+590+1+502+44+224+245+592+509+39+504+852+36+354+91+62+98+964+353+44+972+39+1+81+44+962+7+254+686+850+82+965+996+856+371+961+266+231+218+423+370+352+853+389+261+265+60+960+223+356+692+596+222+230+262+52+691+373+377+976+382+1+212+258+95+264+674+977+31+599+687+64+505+227+234+683+672+1+47+968+92+680+970+507+675+595+51+63+64+48+351+1+974+262+40+7+250+590+290+1+1+590+508+1+685+378+239+966+221+381+248+232+65+421+386+677+252+27+500+211+34+94+249+597+47+268+46+41+963+886+992+255+66+670+228+690+676+1+216+90+993+1+688+256+380+971+44+1+598+998+678+58+84+1+1+681+967+260+263 +Add comments Request Custom Quote For immediate assistance, feel free to give us a direct call at [614-470-4716](tel:614-470-4716). You can also send us a quick email at [info@stirlingcg.com](mailto:info@stirlingcg.com). ```json {"@context":"https://schema.org","@type":"Service","name":"Commercial Mortgage Refinance Solutions","description":"Commercial mortgage refinance guidance from Stirling Capital Group, including conventional refinance, bridge refinancing, SBA real estate financing, CMBS loans, rental property refinance, and stabilization financing through access to over sixty private lending sources.","provider":{"@type":"Organization","name":"Stirling Capital Group","address":{"@type":"PostalAddress","addressLocality":"Columbus","addressRegion":"Ohio"},"telephone":"614-470-4716","email":"info@stirlingcg.com"},"areaServed":["continental United States","Major Canadian cities","Puerto Rico"],"serviceType":"Commercial mortgage refinance consulting and loan origination"} ```