Refinance or Cash out

Refinance or Cash Out

Need to Free Up Cash or Improve Your Terms?

Refinancing your commercial real estate can reduce your monthly payments, access equity, or move you into a more favorable loan structure. At Top Flite Commercial, we tailor solutions for business owners and investors looking to improve cash flow, fund new projects, or consolidate debt. Whether you’re paying off a balloon, pulling equity for growth, or just want better terms, we make the process smooth and strategic.

APPLY NOW

Rate-and-Term Refinance

Lower your payment, extend terms, or switch to a fixed rate.

Cash-Out Refinance

Tap into built-up equity to reinvest in your business or real estate.

Balloon Payment or Maturity

Refinance before your balloon loan comes due or convert to permanent financing.

What You Can Expect

Flexible solutions for owner-occupied or investment properties
Options for SBA, conventional, and private lending
Speed to close — without bank red tape
Confidence in a team that’s closed over $180M in commercial deals
Transparent terms and deal structures built around your business

Want to know more?

Let’s Connect!

First Name

Phone

Last Name

Message

The form has been submitted successfully!

There has been some error while submitting the form. Please verify all form fields again.

Talk to a Specialist Now

Refinance or Cash Out

Frequently Asked Questions

How much equity do I need for a cash-out refinance?

Most lenders require at least 20-30% equity remaining in the property after you pull cash out.

Can I use funds from a cash-out refinance for business growth?

Absolutely. Many clients use the equity to invest in new locations, equipment, or working capital.

How soon can I refinance and pull cash out after buying a property?

Many lenders prefer you have owned the property for at least 12 months before a cash‑out refinance. If you’ve stabilized the asset (tenants, income) you may qualify sooner.

How much cash can I pull out in a cash‑out refinance?

That depends on the property value, loan‑to‑value (LTV) limit and your business’s financials. It’s common to see limits at 70%‑80% of value for stabilized assets.

Does the business need to occupy the property or have strong cash flow?

Not always. There are options for both owner‑occupied and investment properties. But lenders will evaluate income‑producing ability, property use, and business history.

Can I refinance a property held in an LLC or by a business entity?

Yes. Many businesses refinance properties held by LLCs or corporations. You’ll want to ensure proper title, clean financials, and entity structure.

What do I need to know about terms, costs and timing?

Cash‑out refinances can include payoff of the old loan, closing‑costs and new funds. Expect a timeline of roughly 30‑45 days if everything aligns, but delays happen for special‑use or complex assets.