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.

The borrower in a commercial property loan may be a any type of company: a limited liability corporation (LLC), a small business corporation (S-Corp), or even a partnership. This attribute of these commercial loans makes the assessment of the creditworthiness of the borrower very difficult compared 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.

Frequently, the mortgage is supplemented by a general obligation of the borrower or a personal guarantee from the owner(s), which makes the debt payable in full even if foreclosure on the mortgaged collateral does not satisfy the outstanding balance.

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