Commercial
Franchise Loan in Washington, DC
Washington homebuyers trust Custom Mortgage for their Franchise Loan needs. With deep knowledge of the local market, from Dupont Circle to Georgetown, we provide tailored solutions with rates as low as 8.5%.
Key Facts About Franchise Loan
CMRE Franchise Loan ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Franchise Loan.
CMRE Franchise Loan closes in LLC, corporation, or trust names.
CMRE commercial lending covers office, retail, industrial, and multifamily.
CMRE Franchise Loan ranges $250K to $50M.
CMRE commercial bank statement programs for Franchise Loan.
CMRE Franchise Loan closes in LLC/Corp/Trust.
CMRE commercial covers office, retail, industrial, multifamily.
Program Benefits
Competitive interest rates starting at 8.5% for qualified borrowers.
Financing available for new franchise acquisitions, expansions, and remodels.
Expert guidance throughout the loan application and approval process.
Flexible loan terms tailored to your specific business needs.
Up to 75% Loan-to-Value (LTV) available.
Opportunity to build equity and grow your franchise business.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$50K - $5M
Amortization Options
Eligible Properties
- Retail Space
- Restaurant
- Office Space
- Warehouse
Program Requirements
Income Documentation
- •Demonstrated history of profitability for existing franchise locations (if applicable).
- •Detailed financial projections for new franchise ventures.
- •Sufficient personal or business income to cover debt obligations.
Asset Verification
- •Liquid assets available for down payment and closing costs.
- •Business assets to be used as collateral (if applicable).
- •Personal assets considered for overall financial strength.
Insurance & Title
- •Comprehensive business insurance coverage.
- •Liability insurance to protect against potential risks.
- •Property insurance to cover physical assets.
Property Requirements
- •Minimum FICO score of 640 required.
- •Positive credit history with minimal derogatory marks.
- •Demonstrated ability to manage debt responsibly.
Franchise Loan in Washington: The Complete Guide
What Is Franchise Loan?
Franchise financing is a specialized type of commercial lending designed to support the establishment and growth of franchise businesses. Unlike traditional business loans, franchise loans often consider the established brand recognition and proven business model of the franchise system, which can reduce risk for lenders. These loans can be used for a variety of purposes, including purchasing a franchise, covering startup costs, acquiring real estate, or expanding an existing franchise location.
Qualifying for Franchise Loan
- •Underwritten on property income (DSCR) and borrower financial strength.
- •Typical DSCR requirement: 1.20x-1.25x (NOI / debt service).
- •2+ years business experience, adequate liquidity, acceptable credit.
- •CMRE commercial bank statement programs: qualify with 12-24 months statements instead of tax returns.
- •SBA programs (7(a), 504, Express) available for owner-occupied commercial with as low as 10% down.
Franchise Loan vs. Residential Lending
- •Commercial: underwritten on property cash flow. Residential: on borrower income.
- •Commercial terms: 5-10 year terms with 25-30 year amortization.
- •Commercial allows LLC/Corp entity vesting for asset protection.
- •CMRE offers both — our team determines the best structure for your situation.
Apply for Franchise Loan with CMRE
- •Step 1: Submit property details — type, location, price, NOI, business plan.
- •Step 2: CMRE provides preliminary terms within 48 hours.
- •Step 3: Application with financial statements, rent rolls, entity docs.
- •Step 4: Appraisal and environmental assessment.
- •Step 5: Underwriting in 2-4 weeks. Closing in 30-60 days.
Franchise Loan Comparison: Commercial vs SBA vs Residential
- •Commercial loans are underwritten on property net operating income (NOI) with typical DSCR requirements of 1.20x-1.25x. SBA loans offer lower down payments (10%) for owner-occupied commercial but require agency approval adding 15-30 days.
- •CMRE commercial bank statement programs allow self-employed borrowers to qualify using 12-24 months of business bank statements instead of tax returns and financial statements, significantly simplifying the documentation process.
- •For mixed-use properties (commercial + residential), CMRE evaluates which program structure provides the best terms. Properties with 51%+ commercial use qualify for commercial lending; properties with 51%+ residential may qualify for more favorable residential terms.
- •CMRE structures commercial loans with flexible terms: 5, 7, or 10-year fixed periods with 25-30 year amortization, interest-only options for cash flow optimization, and prepayment structures tailored to your business plan.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Franchise Loan in Washington, DC
Washington DC mortgage lending. Jumbo and conventional programs for the DMV area. Custom Mortgage & Real Estate specializes in providing high-fidelity Franchise Loan solutions tailored to the unique economic landscape of Washington and the surrounding District of Columbia.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireWashington metropolitan area.
Service Areas & Neighborhoods
Our Washington Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Common Questions About Franchise Loan in Washington
What are current Franchise Loan rates in Washington, DC?
Franchise Loan rates in Washington depend on loan amount, credit profile, and property type. CMRE publishes updated Washington rate ranges daily and provides locked quotes within 24 hours of application.
How long does Franchise Loan closing take in Washington?
CMRE typically closes Franchise Loan loans in Washington within 21-30 days from application. Pre-approval takes 24 hours, and our DC-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What commercial property types qualify in Washington?
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Washington and throughout District of Columbia. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Does CMRE offer SBA loans in Washington?
Yes. CMRE is an SBA Preferred Lender in Washington. We offer SBA 7(a), 504, and Express loans for District of Columbia business owners purchasing or refinancing commercial real estate.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
Interest rates for Franchise Loans vary based on factors like credit score, loan amount, and market conditions. CMRE's Franchise Loans offer competitive rates, starting at 8.5% for qualified borrowers.
Franchise Loans can be used for various purposes, including purchasing a new franchise, expanding an existing location, acquiring real estate, covering startup costs, and remodeling or upgrading facilities.
CMRE offers Franchise Loans with a maximum LTV of 75%, allowing you to finance a significant portion of your franchise investment.
To qualify for a Franchise Loan with CMRE, you generally need a minimum FICO score of 640. However, higher credit scores may result in more favorable loan terms.
CMRE Franchise Loan starts at $250,000. SBA may start lower. Max depends on property type — up to $50M.
Yes. Entity vesting is standard for commercial. Personal guarantee typically required.
Yes. CMRE commercial bank statement programs use 12-24 months statements instead of tax returns.
Typically 5-10 year terms with 25-30 year amortization. CMRE structures terms based on cash flow and exit strategy.
Franchise Loan by Location
Get local rates, loan limits, and market data for Franchise Loan in your area.
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View county-level market data, loan limits, and mortgage rates on our territory pages.
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Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
