Commercial
Real Estate

For traditional CRE loans, our core focus for new opportunities is the New York Tri-State area; however, we have the ability to support existing customers’ expansion plans and opportunities in markets nationwide. In addition, we offer note-on-note financing solutions across the country.

We can typically close a loan within 30 business days after a term sheet is executed and a complete loan application is received, subject to the review and approval of all required third-party reports.

We meet our customers where they are, delivering financing solutions tailored to their goals.

• For larger commercial projects — including multifamily, retail, mixed-use, industrial and office — we offer traditional CRE, bridge and construction loans across the New York Tri-State area.
• For REITs and real estate funds, we provide note-on-note financing nationwide, along with complementary support at the fund level from our Fund and Specialty Finance practice.
• Our Small Business team offers SBA 7(a) and 504 loans, which can be used to finance commercial real estate.
• Through our Regional Commercial Banking teams, we deliver financing solutions across the Mid-Atlantic, and the West Coast, specifically California and Nevada.

For traditional CRE loans, we take a relationship-first approach to lending. Potential customers are encouraged to contact a Customers Bank team member to discuss their broader banking and depository needs and financing goals.

If there’s a strong fit, you’ll be asked to provide financial information for review, including:

• Property income and expense statements with rent rolls for the assets you are looking to finance
• Personal financial statements and real estate schedules with cash flow analysis for any principal with 20% or greater ownership interest in the borrowing entity associated with the loan request

This process helps us understand your full financial picture so we can structure the right solution for you.

Pricing depends on the structure of the loan and the underlying asset.

• Fixed-rate loans are priced at a spread over the U.S. 5-Year Treasury, with the spread determined by asset type and loan term.
• Floating-rate loans are priced over SOFR or Prime, depending on asset type and loan term.

Yes, there are fees associated with closing a loan. These vary based on the asset type and loan structure.

• Origination and processing fees are determined during the loan structuring process.
• A good-faith deposit is required at term sheet execution. This deposit is typically a percentage of the loan amount and is used to cover third-party reports and review costs.
• Additional closing costs include attorney fees and other related expenses.

Your banker will walk you through all fees upfront, so you know exactly what to expect.

Yes. See our full suite of personal banking services.

Customers Bank was founded in 2009 with one goal in mind: to enable our customers’ prosperity. Founded and built by bank industry veterans, we understand that true innovation is powered by people. We pride ourselves on:

1. Customer focus, first and always. Our success is defined by our ability to serve our customers — today and in the future. We invest in new product solutions and industry innovations that translate into a better banking experience for our customers.
2. Exceptional service, redefined. Our Single Point of Contact model means that we know our customers by name, deliver personalized service and identify business solutions that address the unique needs of each customer.
3. A strong and sustainable model. Customers Bank is one of the nation’s top-performing banking companies. Founded in 2009, today we are among the 80 largest bank holding companies in the U.S. — all powered by organic growth.

Read more about what sets us apart — including our industry-leading Net Promoter Score.