Unlock the equity
A commercial real estate cash-out refinance replaces your existing property mortgage with a new, larger loan and hands you the difference in cash. Real estate rates, real estate terms, and capital you can deploy anywhere in the business.
Cash out up to 75% of property value
Access the equity you have built through appreciation and years of payments, without selling the building.
Real estate pricing
Because the property secures the loan, rates and terms beat nearly every form of unsecured business funding.
Terms up to 25 to 30 years
Long amortization keeps the new payment manageable, even on a larger loan.
A real person, not a portal
An advisor walks you through the process by phone, from valuation to closing.
Check your funding options
Takes about a minute. No obligation.
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$250M+
in funding secured
75%
of property value, cash out
20+ yrs
combined funding experience
Do you qualify?
Straightforward criteria. Here’s what we look for.
Property
Owned property
You own owner-occupied or investment commercial real estate, held in the business or an entity.
Equity
Real equity
Meaningful equity from appreciation or principal paydown. The new loan typically goes up to 75% of current value.
Cash flow
Property or business
The property’s income, or your business’s, supports the new payment, measured by debt‑service coverage.
Credit score
650+
Property value and cash flow carry the underwriting, but credit history still factors in.
Not sure you qualify? Most owners we talk to are closer than they think.
Cash-out refinances commonly fund from $250K to $5M and up, depending on the property.
Check my funding options
Built for owners sitting on equity and opportunity.
These are the properties we refinance most.
Your own facility
Warehouses, shops, medical buildings, and offices you operate from.
Multifamily & mixed‑use
Apartment buildings and mixed-use properties with strong rent rolls.
Retail & industrial
Strip centers, single-tenant retail, and industrial bays.
Owners carrying expensive debt
Businesses paying short-term rates on working capital.
What is a CRE cash‑out refinance?
A commercial real estate cash-out refinance replaces your existing property mortgage with a new loan sized to the property’s current value, and pays you the difference between the new loan and the old balance in cash at closing. If your building is worth $2 million and you owe $900K, a refinance at 75% of value puts roughly $600K in your hands, minus closing costs, while you keep the property.
The reason owners choose this route over other funding products is simple economics: real estate collateral earns real estate pricing. Rates are lower, terms run up to 25 to 30 years, and the amounts are larger than anything unsecured. It is some of the lowest-cost large-block capital available to a business owner.
Before you move forward, your advisor shows you the estimated proceeds after paying off the existing loan and closing costs, the new payment, and the full fee structure. You see the complete picture up front.
Check my funding options
How it works
1Request in about a minute. Share the basics in the short form. No documents needed to start.
2Review with your advisor. A real person reviews the property, the existing loan, and your goals by phone, and estimates your cash‑out proceeds.
3Appraisal and underwriting. The property is appraised and the file is underwritten on value and cash flow. Your advisor drives the file and keeps you updated.
4Close and cash out. The new loan pays off the old mortgage, closing costs are settled, and the remaining proceeds wire to you, typically within a few weeks of a completed application.
Why business owners refinance through Denali.
Built by entrepreneurs, for entrepreneurs.
Large capital at real estate pricing
Property-secured funding is some of the lowest-cost large capital available to owners, far below short-term business financing.
Keep the asset
Access the equity without selling. The property, its appreciation, and its income stay yours.
Long terms, low payments
Amortization up to 25 to 30 years keeps the new payment manageable even on a larger loan amount.
One payment, cleaner books
Consolidate an existing mortgage plus expensive business debt into a single property‑secured loan.
Dedicated support
Experienced advisors manage valuation, underwriting, and closing with you. The heaviest lift in CRE, handled together.
Use the cash anywhere in the business
Expansion, acquisition, equipment, partner buyout, or working capital. Once it funds, the proceeds are yours to deploy.
Check my funding options
What our clients say.
Real feedback from business owners funded through Denali Advance.
CRE cash-out refinance FAQs.
How much cash can I pull out?
Most cash-out refinances go up to about 75% of the property’s current appraised value, minus the payoff of your existing mortgage and closing costs. Your advisor estimates your net proceeds on the first call, before you commit to anything.
Which property types qualify?
Owner-occupied and investment commercial properties, including warehouse, industrial, office, retail, medical, multifamily, and mixed-use. The property’s value, condition, and cash flow drive the approval. Your advisor confirms eligibility for your specific property type up front.
How long does a cash-out refinance take?
Plan on a few weeks from completed application to closing. The appraisal and underwriting steps are real, and they are what earn you real estate pricing. Your advisor gives you a realistic timeline on day one and drives the file throughout.
Will applying affect my credit?
Sending the short form does not run a credit check. A refinance does involve a full credit review, and your advisor explains exactly when and how credit is pulled before anything happens.
How is my new payment determined?
By the new loan amount, the rate, and the amortization term, often up to 25 to 30 years. Underwriting also tests the property’s or business’s cash flow against the payment (debt-service coverage). Your advisor models the payment scenarios with you before you proceed.
What does a refinance cost?
Standard costs include appraisal, title, and lender and closing fees, typically settled out of proceeds at closing rather than out of pocket. Your advisor shows you the full fee structure and your net proceeds in writing before you sign.
What can I use the cash-out proceeds for?
Once funded, the proceeds are yours: expansion, acquisition, equipment, renovations, paying off expensive business debt, or working capital. There are no restrictions on how you deploy the cash across the business.
Still have questions?
Call and a real person walks you through it. The phone application takes about 15 minutes, and your advisor answers anything the page did not.
or email info@denaliadvance.com
Tell us about your business.
Share the basics. A funding advisor takes it from there.
- Your name, business name and best phone number
- How much funding you need and what it is for
- How long you have been in business
- Your average monthly revenue
