Commercial

Commercial cash-out refinance

The short answer A commercial cash-out refinance seeks money beyond paying off existing property debt and transaction costs. The amount depends on the lender's value, cash-flow, leverage and use-of-proceeds rules. Available cash isn't simply market value minus your balance; other underwriting limits can reduce it.

Last reviewed: October 18, 2026 · General education, not a loan offer or approval. Availability and terms depend on the lender, the property and your file.

It may fit if

Your commercial property has built up value and steady income.
You have a clear purpose for the cash.
You want to weigh the new debt against your future plans.

Tradeoffs to weigh

Income support and lender conditions can limit the new loan even with a strong appraisal.
New debt service raises your monthly obligation.
Costs and new loan terms can reduce future flexibility.

What to have ready

How much cash you want and what it's for.
Current loan balance, payment and payoff terms.
Estimated property value.
Income and expenses for the property.
Current occupancy and leases.

Questions people ask

Does a higher appraisal mean I'll get more cash?

No. Income support and other lender conditions may limit the new loan.

What should the comparison show?

Net cash received, new debt service, costs, payoff terms and the impact on your future flexibility.

Your next step

Tell me what you're trying to do. I'll check which options fit your situation and walk you through the tradeoffs.

Start my application Talk to Marcus

You work with me, start to finish.

Marcus Wright · Loan Officer, NMLS #2789841

Originates through Q Mortgage LLC, NMLS #2567464. Licensed in Texas.

Check my license on NMLS Consumer Access

I aim to get back to you within a few working hours, often sooner.

Se habla español. Every page and form here works in Spanish.

How it works

1. Tell me your goalCall, book a time or send a note. No SSN and no credit check to start a conversation.
2. I compare your optionsI look at your income, property and plans, and explain the costs and tradeoffs of each route in plain language.
3. Apply when you're readyYou apply through a secure application. The lender's underwriting makes the final decision, and I keep you updated until closing.

Contact

Let's talk about your loan.

Call, book a time, or send a quick note. Whatever's easiest.

(682) 403-3406Tap to call Pick a timeBook a call on my calendar Weekend timeSat–Sun, 11 a.m.–7 p.m. Central. I confirm it personally. marcus@qmortgage.aiEmail me anytime

Hours Weekdays 8 a.m.–8 p.m. Central. Weekends 11 a.m.–7 p.m. Central by appointment.