Published:
September 26, 2025
Updated:
November 23, 2025
A typical commercial loan term usually ranges between 5 to 20 years, but it depends on the type of loan and property:
- Short-term loans: 1–5 years, often used for construction or bridge financing.
- Standard commercial real estate loans: 10–20 years, sometimes with a balloon payment at the end.
- Equipment or business loans: 3–10 years, depending on the asset life.
Interest-only periods are also common at the start, which can make the initial payments lower than a fully amortized schedule.
Related
What is meant by commercial loan?
Do you have to put 20% down on a commercial loan?
How much is a $50,000 business loan monthly?
🏡 Get Pre-Approved for a Home Loan
Fast, free, and secure — see how much you qualify for.
Get Pre-Approved