real estate financing

Our Real Estate Commercial Equity Line of Credit and Commercial Real Estate Loans[cite::96::cite] are often a great option for long-term borrowing, usually up to 15 years. However, they can also be used for your short and intermediate-term borrowing. You can use a secured commercial equity line of credit to improve liquidity, increase working capital, expand your business, and finance property improvement.

Commercial Equity Line of Credit

Commercial equity lines of credit can be used multiple times and are perfect if you need a short-term commercial real estate financing option. And, rather than having the monthly payment of a commercial real estate loan, you make payments until you pay off your balance. Commercial Equity Lines of credit are generally used to finance receivables, investments or inventory.

Another option available to you is our Commercial Real Estate Loans which are one-time use, long-term solutions to acquire or refinance real estate. For more information on which financing option is right for your business, contact Zions Bank.

Real Estate Secured Line of Credit and Term Loans



  • Commercial equity line of credit
  • Improvement loan
  • Construction loan
  • Commercial real estate loans


  • Take trade discounts
  • Finance receivables, investments or inventory
  • Improve liquidity
  • Meet short-term cash needs
  • Increase working capital
  • Expand business
  • Finance property improvements
  • Finance construction of owner-occupied commercial building
  • Acquire or refinance real estate


12 to 180 months

Collateral and Loan-to-Value Ratio

Commercial real estate loans:

  • Up to 75% of value

Repayment Term

Varies depending on loan type

Rate Option

Commercial equity line of credit: Variable
All others: Fixed or variable

Other Fees

  • Loan origination fee
  • Appraisal fee, if applicable
  • Title policy fee, if applicable