Commercial Real Estate Loans

Are you looking to invest in commercial real estate or find a new space for your business? As an independently owned and operated bank in West Virginia, we understand how important it is for your business to be accessible to the community. That’s why First Exchange Bank is here to help build a home for your business right among our community.

What is A Commercial Real Estate Loan? 

Commercial real estate loans provide funding to secure physical space needed to operate your business. Business real estate loans include commercial land loans and commercial mortgages. 

Commercial land loans help you to secure the vacant land you need to build your business from the ground up. You may be able to include the cost of constructing the building in your business real estate loan. If you already own the land and just need the building constructed, you can apply for a construction loan to finance the building project. 

Commercial mortgage loans are mortgage loans to buy the commercially developed building where you plan to operate your business. A business mortgage can be used to help you purchase a variety of properties including office buildings, industrial buildings, retail centers, and multi-family units. 

Benefits of Commercial Real Estate Loans

As an entrepreneur, there are a number of benefits to business real estate loans. 

  • Flexible terms
  • Fast Closing and simpler application process
  • Competitive interest rates
  • Can be used for renovations to an existing commercial space
  • You could lease out part of your owner-occupied space for extra income
  • As the owner, you gain control over your property - you won’t have to worry about a landlord raising the rent, nor will you need to ask permission to make any structural changes. 
  • Build equity in your business as you pay down the mortgage
  • Tax breaks

Talk to a commercial mortgage lender to learn more.

Apply For A Commercial Mortgage Loan in West Virginia!

Ready to launch or expand your business? First Exchange bank has seven locations serving North Central West Virginia. Visit us in White Hall, Hundred, Mannington, Fairview, Fairmont or Morgantown to apply for a commercial real estate loan. Give us a call at 304-534-7200 or contact us online to speak directly to a business real estate lender. 



To learn more about applying for a business loan, read "How to Apply For Your First Business Loan".

*Subject to credit approval. Please contact your local First Exchange Bank for current interest rates. First Exchange Bank is an Equal Housing Lender.