Owner-Occupied Commercial Loans Lexington KY | CRE Lenders | CLS CRE 

Owner-Occupied Commercial Loans in Lexington, KY

Quick answer: Owner-Occupied Commercial Loans in Lexington, KY range from $1M - $20M at 5.50% - 8.50%, with terms of 10 - 25 years. Best for medical, dental, and veterinary practices purchasing clinic space. Commercial Lending Solutions sources Owner-Occupied financing for Lexington commercial properties from SBA-Approved Banks (504 and 7(a)), Certified Development Companies (CDCs), Conventional Commercial Banks, and 1,000+ other capital sources nationwide.

Lexington is the economic center of the Bluegrass Region, anchored by the University of Kentucky and its UK HealthCare system, one of the Southeast's leading academic medical centers with more than 14,000 employees. The metro's economy spans the concentrated equine industry (home to Keeneland, the Kentucky Horse Park, and dozens of premier thoroughbred farms), bourbon distilling, advanced manufacturing (Toyota Motor Manufacturing Kentucky in nearby Georgetown, Lexmark, Big Ass Fans), and a growing technology sector led by Valvoline global HQ and a deep pool of healthcare IT companies. Multifamily demand is supported by the university's 30,000 students and growing medical workforce, while industrial absorption benefits from Amazon's air hub at Cincinnati/Northern Kentucky International Airport (CVG) just 80 miles north and Kentucky's central position in the U.S. logistics network.

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Owner-Occupied Financing for Lexington Commercial Properties

CLS CRE provides owner-occupied commercial loans for commercial real estate investors in the Lexington-Fayette market. With access to 1,000+ lender relationships nationwide, we source the most competitive terms available for Lexington properties.

Loan Amount
$1M - $20M
Term
10 - 25 Years
Rates
5.50% - 8.50%
Ltv
Up to 90% (SBA) or 75% (Conventional)
Qualification
Business Cash Flow and Owner Income
Recourse
Full Recourse with Personal Guarantee

Owner-Occupied Commercial Loans in Lexington FAQ

The best commercial lenders in Lexington depend on your property type and loan needs. CLS CRE works with 1,000+ banks, life insurance companies, debt funds, CMBS conduits, and agency lenders to find the most competitive owner-occupied commercial loans financing for your Lexington property. Contact us for a customized lender recommendation.
Current owner-occupied commercial loans rates in Lexington range from 5.50% to 8.50%, depending on the lender, property type, and borrower qualifications. Rates in the Lexington-Fayette market are influenced by local market conditions, property quality, and competition among lenders.
Commercial loan closings in Lexington typically take 45-90 days for permanent financing and 2-4 weeks for bridge loans. Timelines depend on the lender type, property complexity, and local requirements such as environmental reviews and appraisal turnaround times.
Not necessarily. While local banks and credit unions in Lexington offer relationship-based lending, national lenders (life companies, CMBS, agency) often provide more competitive rates and terms. CLS CRE sources capital from both local and national lenders to find the best fit.
In the Lexington-Fayette market, the most financeable property types currently include multifamily apartments, industrial warehouses, and well-tenanted retail — all driven by strong local demand and favorable lender appetite. Contact CLS CRE for a market-specific financing assessment.


Get Owner-Occupied Financing in Lexington

Contact Commercial Lending Solutions for a free, no-obligation owner-occupied loan quote for your Lexington commercial property.

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Call: 310.708.0690 Text: 310.758.3064

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