Buy or refinance a property.
Compare the financing need with property income, value, and your timeline.
Explore this path ↗COMMERCIAL REAL ESTATE LOANS & FINANCING
A property.
A purpose.
A financing plan.
River Bear Financial is a mortgage brokerage based in Austin, Texas. Your business and your property deserve a conversation of their own. Let’s work through the numbers, the timing, and the next step together.
For business owners and commercial property investors.
BUILT AROUND YOUR NEXT MOVEProperty. Cash flow. People.
Purchase & refinanceOwner-occupied propertyMultifamily
What are you
working toward?
The right starting point depends on how the property is used and what the financing needs to accomplish.
Make room for your business.
Explore the questions that come with purchasing a property your business will occupy.
Explore this path ↗Plan your multifamily investment.
Look at the rent roll, operating history, and capital needs together.
Explore this path ↗Understand the
financing choices.
Explore commercial loan programs, property types, and the questions behind a lender proposal. Specific program availability requires confirmation.
Commercial loan programs
Conventional commercial mortgages, SBA, rental-property, and multifamily program education.
Read the guide ↗Financing by property type
Retail, office, industrial, warehouse, mixed-use, apartments, and specialty property questions.
Read the guide ↗Rates & loan requirements
Understand down payment, DSCR, LTV, loan terms, closing costs, and prepayment.
Read the guide ↗START WITH UNDERSTANDING
A better conversation
starts with better context.
A loan amount alone doesn’t tell the whole story. We want to understand the property, who operates it, and how the financing fits your plans.
Prepare for your first conversation ↗- 01
Tell us the goal.
Purchase, refinance, expansion, or a project that needs a closer look.
- 02
Put the details together.
Property use, income, ownership, existing debt, and timing.
- 03
Discuss a practical next step.
Potential paths, the documents needed, and questions to resolve.
A TEAM YOU CAN KNOW
Personal attention.
Commercial focus.
Meet Buck and the people behind River Bear’s commercial conversations.
Meet the team ↗
Have a transitional property or construction project?
Start with the business plan, the budget, and the repayment strategy. Program availability needs a transaction-specific review.
LET’S LOOK AT THE DETAILS
Bring us the property.
And the questions.
Start with the goal, the timing, and the financing need.
Local market guides
Prepare property-specific questions for Austin and Seattle. Coverage requires confirmation.
Explore the guide ↗River Bear Insights
Learn about cash flow, business-property purchases, and renovation planning.
Explore the guide ↗