Commercial property loans are loans made using real estate as collateral to secure repayment.

Like residential property loans, a building will be used in order to secure repayment from the debtor except the collateral is a commercial building instead of a residence. Usually a business will take on a commercial property loan, rather than an individual.

Borrowers in commercial property loans can be many different types of business entities. This makes the assessment of the credit of the borrower much more difficult than it is with borrowers in residential property loans.

Some commercial property loans are nonrecourse, meaning that in the event of default in repayment, the creditor can only seize the collateral, but has no further claim against the borrower for any remaining deficiency. This is a contrast to the norm with residential property loans, in which a lender can usually seize other assets of the borrower in the event of non-payment.

In some cases, a loan can possibly be supplemented with a personal guarantee. This guarantee can make the debt payable in full even if foreclosure on the mortgaged collateral does not satisfy the outstanding payment due.

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