Commercial Real Estate Lending

Whether you’re looking to buy a building to accommodate your growing business, an investment property or need construction financing, Chain Bridge Bank offers solutions for all stages of your commercial real estate project. As your bridge to better banking, we offer a variety of lending options including owner-occupied and non-owner-occupied commercial mortgages as well as acquisition, development and construction loans.

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Has your business grown to where you are ready to purchase your own building and stop paying rent? There are many advantages to purchasing a building for owner-occupied commercial uses including asset appreciation, control of overhead costs and tax advantages (consult your tax advisor). We offer: 

  • Conventional financing up to 80% loan-to-value
  • Medical office financing up to 85% loan-to-value
  • Small Business Administration (SBA) financing up to 90% loan-to-value
  • Purchase, refinance, and cash-out refinance
  • Fixed, variable, and floating rate options
  • 5, 10, and 15-year terms with amortization up to 25 years


 Investment property can provide you with an added income stream as it appreciates in value. There may also be tax advantages (consult your tax advisor). If you’re looking for a loan to purchase commercial investment property, Chain Bridge Bank offers lending for office, industrial, retail, hotels, mixed used, residential, multi-family and special use purposes. We offer:  

  • Purchase and refinance
  • Fixed, variable, and floating rate options
  • Financing up to 80% loan-to-value
  • 5, 10, and 15-year terms with amortization up to 25 years


If you’re in the market for a residential or commercial construction loan, Chain Bridge Bank offers flexible terms and understands the intricacies of construction projects. Working through project design, plans and budgets allows for an expeditious completion of the project. The term of the construction loan is typically short, 12 to 24 months, after which the loan converts into a permanent loan that is also financed by Chain Bridge Bank. We offer:

  • Tax advantages (consult your tax advisor)
  • Real estate financing designed to your specifications
  • Residential Builder Line of Credit
  • Land acquisition and development loans up to 70% loan-to-value
  • Construction financing up to 80% loan-to-value
  • Construction term up to 24 months followed by permanent financing up to 25 years



Marcia Bradford
Senior Vice President
Senior Lending Officer
NMLS #1414926
Barry Huitema
Vice President
Lending Officer
NMLS #618686

Patrick Collins
Vice President
Commercial Lender