“Excellent communication and expediency”
Amazing experience with Bryce! Excellent communication and expediency throughout the entire transaction. They were able to close our emergency deal in less than 48 business hours!
Ahmad A.
Real estate loan
Mixed-use loans, fast capital.
Financing for the spaces where people live, work and connect.
From modern urban hubs to small mixed-use gems, our loans are built for today's hybrid buildings and tomorrow's potential. Buy one, refinance one or pull equity out of one.
- Up to 80% LTV
- 5 to 10 year fixed terms
- Rate lock at commitment
The short answer
What is a mixed-use loan?
A mixed-use loan finances a building that combines residential and commercial space, such as apartments over storefronts. Axelrad's mixed-use loans go up to 80% LTV with fixed terms of 5 to 10 years on 25 to 30 year amortizations, have no upper limit on loan size, and can be used to buy, refinance or take cash out.
Mixed-use loan terms at a glance
- Loan amount
- No upper limit.
- Leverage
- Up to 80% LTV.
- Fixed terms
- 5 to 10 years, on 25 to 30 year amortizations.
- Rate lock
- At commitment, with 30-day options available.
- Uses
- Purchase, cash-out refinance and rate-and-term refinance, from ground-up developments to existing buildings.
- Approval
- Within hours of your application.
- Closing
- Within 72 hours after we receive the appraisal.
Financing options for every stage
Financing for every stage of your project
Property acquisition
Buy a property without perfect credit or high net worth, through accessible CMBS loan structures.
Cash-out refinance
Unlock equity in your property for your next investment. Minimal restrictions beyond the LTV limit.
Rate and term refinance
Get better terms and a lower rate, especially if you are facing a balloon payment or high interest.
Your loan experience
Three steps from application to closing
Submit your application
A quick online form.
Approval within hours
Our team reviews your application and responds quickly.
Quick closing
We close within 72 hours after we receive the appraisal.
Why Axelrad for mixed-use loans
- A team focused on mixed-use and commercial financing
- Creative solutions for unusual layouts and tenant mixes
- Multiple quotes, quickly, through an extensive lender network
- A fast, straightforward application: we handle the details
- Rate lock at commitment
- Lending in all 50 states
Our Success Stories
5.0★★★★★29 reviews on Google · Read them
“Total transparency”
Truly quality people. Polite, professional, and always kept the line of communication open. Total transparency which is KEY in lending. I highly recommend. We used them for a BRIDGE loan and will use them again for our next investment property.
Nic B.
“Someone in your corner”
If you want certainty and someone in your corner who will go the extra mile to get your deal done, there’s no one better to work with than Axelrad.
Travis M.
“The easiest to work with”
My experience with Axelrad Cap and Bryce has been top notch. We’ve closed on three transactional deals together and without question, he’s the easiest to work with and operates with the most integrity.
Dan S.
“Dealmakers not dealbreakers”
I’ve used Bryce and his team for several transactions and they always provide the highest level of customer service, they know what they’re doing, and they are dealmakers not dealbreakers.
Green Root Development
“Went way above and beyond”
I was in a bind on a property; needed funds to prevent losing the contract. … Bryce explained what needed to be done in the future to ensure fewer hiccups, then went WAY above and beyond to rush everything that same day to make sure we got the deal closed.
Americo P.
“You couldn't dream of a better lending partner”
You couldn't dream of a better lending partner to work with than the team at Axelrad Capital! In an industry that often feels so cold & transactional, Bryce and his team make you feel like VIP's!
Aaron W.
“Professional, transparent, and always went above and beyond”
Their commitment to high integrity and exceptional service is truly impressive. From start to finish, they were professional, transparent, and always went above and beyond to meet my needs.
Seth A.
“Sharp, responsive”
Bryce is sharp, responsive, and understands how to structure deals efficiently and quickly.
LeadMasters Property LLC
“Creative with difficult deals”
They have a strong desire and willingness to be creative with difficult deals.
Robert
“Always ready to pick up the phone”
They have a ton of resources and a team member is always ready to pick up the phone and help move the project forward.
Brian A.
Common Questions
What people actually ask before they apply.
What is a mixed-use loan?
A mixed-use loan finances a building that combines residential and commercial space, such as apartments above storefronts. Axelrad's mixed-use loans cover everything from ground-up developments to existing buildings ready to refinance.
How much can I borrow on a mixed-use property?
There is no upper limit on loan size, and leverage goes up to 80% LTV.
What terms do mixed-use loans have?
Fixed terms of 5 to 10 years, on 25 to 30 year amortizations. You can lock your rate at commitment, and 30-day rate lock options are available.
Can I buy a mixed-use property without perfect credit or high net worth?
Axelrad's acquisition financing uses accessible CMBS loan structures, so you can purchase a property without perfect credit or a high net worth. Tell us about the property and we will tell you what it supports.
Can I take cash out of a mixed-use property?
Yes. A cash-out refinance unlocks equity for your next investment, with minimal restrictions beyond the LTV limit.
Can I refinance a mixed-use loan with a balloon payment?
Yes. A rate-and-term refinance can get you better terms and a lower rate, especially if you are facing a balloon payment or high interest.
How fast does a mixed-use loan close?
Your application is reviewed within hours, and we close within 72 hours after we receive the appraisal.
Do you lend on mixed-use property nationwide?
Yes. Axelrad lends in all 50 states.
Fund the building you have in mind.
Tell us about the property and what you want to do with it. A person on our team reviews it.
Part of this division
The division this program sits inside, and everything else it funds.
- Hard Money LoansHard money is asset-based lending: the property and the exit carry the decision, not two years of tax returns. That is what lets it move at the speed a competitive purchase actually requires, and why investors use it where a bank timeline would lose the deal.
- Mortgage LoansThis is the longer-term side of the business: the debt that stays on a property once it is stabilised. It is investor lending throughout — qualified on what the asset produces rather than on personal income — and it is where a short-term loan is usually heading once the work is done.
Related products
Deals rarely fit one box. These are the programs investors most often compare this one against.
- Commercial LendingFlexible commercial real estate financing for acquisitions, refinances, and value-add projects in all 50 states.
- Retail, Industrial & StorageCommercial bridge loans of $4 million to $20 million on retail, industrial and storage property. First lien, up to 70% of as-is value, from 9%.
- New Construction LoansGround-up construction financing up to 90% LTC with 100% of construction costs covered and rates from 9.99% for seasoned builders.
- Portfolio LoansConsolidate multiple rental or investment properties under a single portfolio loan with streamlined terms and competitive rates.