Commercial Cash-Out Refinance Loans
Put your equity to work.
A commercial cash-out refinance lets you refinance an investment or commercial property and pull out equity — to buy the next property, fund a renovation, or pay off expensive debt.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Who it fits and how it works
A commercial cash-out refinance fits owners of rental and commercial buildings who want cash without selling. You refinance the property, pay off the existing loan, and take out part of your built-up equity to buy the next property, fund a renovation, or pay off expensive debt. It is not for your primary home. We match the property to programs in our lender network.
Why Cash-Out Refi
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Owners of rentals and commercial buildings who want cash out without selling. Owner-occupied business property is often better served by SBA 504 or a commercial loan.
We arrange financing for businesses nationwide, except in California.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Leverage | Up to about 75% of value |
|---|---|
| Seasoning | As little as about 3 months of ownership on some rental programs |
| Credit | About 640+ on rental programs |
| Property | Investment rentals and commercial property — not your primary home |
| Paperwork | Mortgage statement and payoff, leases, insurance, entity docs |
| How fast | Commonly three to five weeks. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for cash-out refinance — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 03Subject property address & detailsproperty
- 04Property insurance quote / binderproperty
- 05Entity docs (operating agreement, EIN letter)entity
- 062 months bank statements (reserves & cash to close)bank
- 07Current mortgage statement & payoffproperty
Industries we often advise on for Cash-Out Refinance
Where cash-out refinance is one of the best-fit options for how the business earns.
Compare related options
Not sure this is the one? These are the structures owners most often weigh against it.
More on Cash-Out Refinance
Free calculators, honest comparisons, and plain-English guides for owners weighing this option.
