Commercial loans don't play by the same rules as home loans. This is because a lot more money is involved in a single project and the property values can fluctuate greatly. With a commercial loan you can expect a maximum available loan-to-value of 75%. This means usually at least 25% of the value of the loan will need to be paid in cash or other assets to the lien holder (the lender).

Commercials loans aren't just for purchasing commercial property, however. They can be used for a variety of things including repairs to existing property and new property construction. Usually a commercial loan won't also fund a business. That's what business loans are for.