Commercial Real Estate Specialists
Our team understands the complexities of commercial underwriting, asset performance analysis, and transaction structuring.
U.S. Commercial Mortgages
U.S. Commercial Real Estate Financing for International Investors
Access commercial real estate financing for acquisitions, refinancing, portfolio expansion, and value-add investment strategies across the United States. America Mortgages helps Foreign Nationals, U.S. Expats, family offices, private investors, developers, and commercial real estate sponsors secure financing for a wide range of U.S. commercial opportunities through specialized lending solutions and institutional capital relationships.
Reviewed by Robert Chadwick, CEO | Co-Founder, America MortgagesUpdated 6 July 2026
42+ five-star reviewsInternational investors — family offices, funds and developers of 57 nationalities — finance U.S. commercial real estate with America Mortgages.
Why commercial investors trust America Mortgages
- approval rate
- 97%approval rate
- funded
- $1B+funded
- nationalities financed
- 57nationalities financed
- financing programs
- 150+financing programs
Commercial Financing Solutions for Global Investors
Yes — foreign nationals and U.S. expats can finance U.S. commercial real estate, with no U.S. credit score required.
Commercial real estate financing requires specialized lending solutions tailored to the property, investment strategy, and borrower profile. America Mortgages helps Foreign Nationals, U.S. Expats, developers, and commercial investors secure financing for acquisitions, refinancing, development projects, recapitalizations, and portfolio expansion across a broad range of U.S. commercial real estate opportunities.
Rather than forcing your deal into a standard product, our commercial team packages the transaction around the asset's economics and your investor profile — and takes it to specialist banks and lending entities that finance international investors.
Built for global investors
What types of commercial properties can be financed?
America Mortgages finances the full spectrum of U.S. commercial real estate for a broad range of international investors and entities.
Commercial Property Types
- Multifamily Properties
- Office Buildings
- Retail Centers
- Industrial & Warehouse Properties
- Hospitality Assets
- Mixed-Use Developments
- Self-Storage Facilities
- Construction & Development Projects
Who We Finance
- Foreign Nationals
- U.S. Expats
- Family Offices
- Private Investors
- Investment Funds
- Developers & Sponsors
- Offshore Entities & LLCs
Lending solutions
Commercial lending solutions
Each loan is structured specifically to your deal. These are the commercial financing structures international investors use most.
Bridge Loans
Short-term financing for acquisitions, repositioning projects, value-add opportunities, and time-sensitive transactions.
Conventional Commercial Loans
Long-term financing solutions for stabilized income-producing assets.
Mezzanine Financing
Additional capital solutions designed to complement senior debt structures.
Acquisition Financing
Secure financing for new commercial property purchases and investment opportunities.
Commercial Refinance Solutions
Improve loan terms, restructure debt, or access equity from existing assets.
Portfolio Financing
Financing solutions for borrowers managing multiple commercial properties.
Key loan highlights
Verified loan amounts, structures and coverage
Loan Amounts from $250,000 to $250 Million
Financing scaled to the deal — from single-asset acquisitions to large institutional transactions.
No U.S. Credit Score Required
We package the deal around the property's economics and your investor profile, not personal U.S. credit.
Financing for Foreign Nationals & U.S. Expats
Solutions designed for international investors, offshore entities and globally structured borrowers.
Bridge, Mezzanine & Conventional Financing
Choose the structure that fits your acquisition, refinance, bridge or portfolio-growth strategy.
Interest-Only Options Available
Interest-only payment structures can be built in where they support the business plan.
Entity & LLC Ownership Structures Accepted
Deals are commonly structured through LLCs, partnerships, corporations and other investment entities.
The America Mortgages advantage
Why commercial investors choose America Mortgages
Foreign nationals and U.S. expats usually find it extremely difficult to finance U.S. commercial real estate. America Mortgages works exclusively with overseas investors and has cultivated relationships with specialist banks and lending entities willing to finance them — access most international investors can't reach alone.
Loan structures
Indicative loan amounts, structures and coverage
Each commercial loan is structured specifically to your deal. These ranges are what our programs typically offer — indicative only, confirmed in writing at term sheet.
| Program | Structure | Loan amount | Coverage |
|---|---|---|---|
| Conventional / permanent | Amortizing | $1M – $500M | All 50 states |
| Bridge | Interest-only available | $1M – $500M | All 50 states |
| Mezzanine | Structured to deal | $1M – $500M | All 50 states |
| Construction / development / land | Structured to deal | $1M – $500M | All 50 states |
As of 6 July 2026
Indicative ranges only, not an offer of credit. Actual rates, LTV and terms depend on the program, property, borrower profile and prevailing market conditions, and are confirmed in writing at pre-approval.
How it works
How the commercial financing process works
- 1
Discuss Your Transaction
Review the property, investment strategy, financing objectives, and timeline with a commercial lending specialist.
- 2
Preliminary Deal Assessment
Our team evaluates the asset, sponsorship profile, and financing requirements to identify suitable lending solutions.
- 3
Submit Transaction Information
Provide property financials, sponsor information, rent rolls, operating statements, and supporting documentation.
- 4
Financing Review & Structuring
Lenders review the transaction and proposed structure while evaluating asset performance and risk factors.
- 5
Close & Execute Your Strategy
Secure financing and move forward with your acquisition, refinance, recapitalization, or investment plan.
Financing Solutions for Commercial Opportunities Across the U.S.
Whether you're acquiring a multifamily asset, financing a mixed-use development, refinancing a commercial property, or expanding an investment portfolio, America Mortgages can help identify financing solutions aligned with your investment strategy. Our commercial lending specialists work with Foreign Nationals, U.S. Expats, family offices, developers, and commercial real estate investors throughout the United States.
Why speak with our team?
- Understand your financing options before you commit
- Get a preliminary read on the deal's structure and leverage
- Reach specialist lenders that finance international investors
- Work with a relationship-driven team from first call to close
Social proof
What clients say
Real reviews from international investors and overseas borrowers who financed U.S. property with America Mortgages.
42+ verified 5-star Google reviews
Rated “Excellent” by U.S. expats & foreign nationals worldwideI am very lucky to have found America Mortgages to help me with my project living abroad, and I am particularly amazed by the engagement of Hanah, who has been following every step of my case since Day 1. She was extremely helpful every time we encountered a bump in the road — always thinking of solutions, thinking out of the box, and keeping me motivated. My deepest gratitude goes to Hanah.
America Mortgages was fantastic to work with as an American expat. I needed to refinance my condo in DC but living overseas. For most lenders I was denied because my income was foreign. I worked closely with Nick and was able to refinance with a lower payment — the entire process was seamless and took less than 6 weeks. More than a 5★ experience.
Nick is absolutely wonderful. I'm a Canadian purchasing a house in Tampa, Florida and he made the process smooth and easy!! Thank you Nick!!
Pleasure to work with. Very clear from Day 1 as to what they could achieve. Didn't promise anything that they couldn't fulfill.
As both a lawyer and an individual I've been involved in many complex real estate transactions in Canada and the US. Of all the professionals I've worked with, Roberto Johnson of America Mortgages is without a doubt the absolute best. Where others said no, he said yes — and came up with truly creative solutions. An absolute game-changer. We couldn't have done it without him!
We had a quick closing date, were in a sticky situation and needed a foreign mortgage in record time. The team went above and beyond, put us in direct contact with the lender, worked at lightning speed and kept us in the loop the whole way. Thank you for getting us into our new home!
As someone who owns real estate in two different countries I expected the USA process to be much easier. A bank and another company couldn't approve my mortgage. I found America Mortgages online at the airport between flights — thank God! Even easier than getting a mortgage for my own home in London. 5 stars for service and flawless execution!
Joe Aaron has been an exceptional help during this process! As Canadians, we were told by other brokers they were unable to get a mortgage for our grandparents' home. Thankfully, Joe was able to assist us and allow us to keep it! Thank you so much for your guidance and help!
FAQ
Frequently asked questions
Can Foreign Nationals obtain financing for U.S. commercial real estate?
Yes. Foreign Nationals can access financing for eligible U.S. commercial properties through specialized lending solutions designed for international investors, offshore entities, and cross-border transactions.
What types of U.S. commercial real estate can be financed?
Financing may be available for multifamily properties, office buildings, retail centers, industrial assets, hospitality properties, mixed-use developments, self-storage facilities, and other commercial real estate opportunities.
Is a U.S. credit score required for commercial financing?
No. Many commercial financing solutions available through America Mortgages are designed for international investors who do not have an established U.S. credit history. Alternative documentation, international financial profiles, and global assets may be considered, subject to underwriting guidelines.
What is the minimum commercial loan amount?
Commercial financing solutions generally start at $250,000, with financing available up to $250 million for qualifying transactions, depending on the property type, sponsorship profile, and financing structure.
Can commercial properties be financed through an LLC or corporate entity?
Yes. Many commercial real estate transactions are structured through LLCs, partnerships, corporations, and other investment entities.
Are bridge loans available for commercial real estate?
Yes. Commercial bridge financing can be used for acquisitions, repositioning strategies, value-add projects, refinancing transitions, and time-sensitive investment opportunities.
What financing structures are available, and how is my deal prepared?
Bridge, mezzanine and conventional financing options are all available, and interest-only payments can be structured in. Rather than simply submitting tax returns and bank statements, we build an attractive deal package around the asset's economics and your investor profile — the packaging is what gives international-investor deals the best chance of approval with specialist lenders.
Who do you typically work with, and which states do you cover?
We work with foreign nationals and U.S. expats investing in U.S. commercial real estate — including family offices, private banks, investment funds, developers and high-net-worth individuals — with financing available in all 50 U.S. states, wherever the asset is located.
Learning Lab
Expert Insights for Commercial Real Estate Investors
Access market insights, financing strategies, and structuring guidance built for international investors in U.S. commercial real estate.
Whether you're acquiring your first U.S. commercial asset, refinancing, or scaling a portfolio, our resources can help you structure a stronger deal.
Guide
How foreign investors finance U.S. commercial real estate
What lenders look for, how deals are packaged, and why no U.S. credit score is required.
Read moreStrategyBridge vs. conventional vs. mezzanine financing
Which structure fits acquisitions, value-add and portfolio growth — and how leverage stacks.
Read moreMarketWhich U.S. commercial asset classes attract global capital
Where international investors are deploying capital across multifamily, industrial and more.
Read moreReviewed for accuracy
Reviewed by Robert Chadwick
CEO | Co-Founder, America Mortgages
Robert Chadwick is Co-Founder and CEO of America Mortgages and Co-Founder of its Singapore-based parent, Global Mortgage Group. He has over 25 years in financial services and mortgage lending, including wholesale lending leadership at Fremont Bank and Morgan Stanley's Saxon Capital.
Written by the America Mortgages Editorial Team · Last updated 6 July 2026
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America Mortgages, Inc. — NMLS 2810389 (America Mortgages Nationwide). Founded in 2019 and wholly owned by Global Mortgage Group Pte. Ltd. (Singapore); our team brings decades of combined U.S. and cross-border commercial lending experience. A direct lender and leading mortgage broker for U.S. expats and foreign nationals. Loan amounts, structures and coverage shown on this page are indicative only, as of 6 July 2026, and are not an offer or commitment to lend. All financing is subject to deal, property, sponsor profile, underwriting and prevailing market conditions, and is confirmed in writing at term sheet.