Long and short-term financing solutions that meet your business needs. 
 
At CNB St. Louis Bank, our local lenders work directly with business owners, nonprofit organizations, and investors to explain available financing options, including commercial property real estate loans. 
 
Ready to take the next step in securing financing for owner-occupied, investment, residential, and mixed- use properties? 
 

Commercial Real Estate Financing Options

At CNB St. Louis Bank, our local lenders work directly with business owners and investors to walk them through their commercial real estate and other business banking financing options in St. Louis City, St. Louis County, St. Charles County, and adjacent areas. 

Owner Occupied Commercial Real Estate Loans

It makes sense for many business owners to own their own property. When you're ready to make that transition, you can turn to one of your experienced bankers to help make commercial property ownership a reality. 
 
Available loans may help you: 
  • Purchase a new building.
  • Combine a construction loan with a permanent financing to build a structure that exactly meetings your business's needs. 
  • Finance the replacement property for a §1031 Exchange.
  • Get your occupancy costs under control and improve cash flow by refinancing your existing building to a lower interest rate and or smaller payments. 
  • Get a quick decision on your application from our professional commercial lending team. 
Contact us today to learn more about our owner-occupied commercial real estate loan solutions! 
 

Commercial Investment Property Loans

Real estate is always an investment, whether it is owner-occupied or leased. Structuring the right financing solution is critical to the success of your investment. 
 
Our experienced commercial real estate bankers can help you: 
  • Purchase or refinance a commercial property using the property as collateral. 
  • Use the equity in an existing property to create liquidity for the acquisition of a new commercial property. 
  • Finance improvements to an existing property. 
  • Finance the construction loan for a new commercial property. 
  • Finance the replacement property in a §1031 Exchange.
  • Get a quick decision on your application from our local and professional commercial lending team. 
Contact us today to learn more about commercial real estate investment loan solutions! 
 

Residential Investment Real Estate Loans

There are several ways to finance the purchase or improvements of residential investment property. A mortgage loan from CNB St. Louis Bank can provide financing for multifamily residential investment properties (up to 4-family units). Residential investment real estate can also be financed with a commercial real estate loans, particularly if the property is larger than four (4) units or is not self-collateralized. 
 
Contact our commercial banking team today to discuss the best loan structure for your residential real estate investment! 
 

Owner-Occupied Residential Real Estate Loans

Owner-occupied residential properties are financed with a mortgage loan. CNB St. Louis Bank has a team of residential mortgage lenders who are ready to help you purchase or refinance your home, second home, or vacation home. We offer various mortgage loan programs, including conventional and first-time homebuyer loans, along with specialized portfolio products. 

Start today with an online mortgage loan application or contact one of our mortgage lenders directly to start a conversation! 
 

FAQs

Commercial property loans, also known as commercial mortgage loans, can help you purchase, refinance, or improve business real estate (office buildings, retail spaces, warehouses, owner-occupied properties, etc.). At CNB St. Louis Bank, local lenders work directly with business owners to review financing options, guiding borrows throughout the entire lending process.*
Lenders, vendors, and other financial institutions use business credit scores to evaluate a business's credit history and financial obligations. Factors like payment history, outstanding debt, and length of credit history can affect these scores. 

Yes! CNB St. Louis Bank is a member of the FDIC (Federal Deposit Insurance Corporation).  

FDIC insurance protects eligible deposit accounts held at the bank, subject to applicable ownership categories and insurance limits. FDIC insurance does not apply to bridge loans or other loan products.

Exact business loan terms—including monthly payments, amortization, interest rate, loan amount, and underwriting—vary depending on creditworthiness, property type, and exact type of loan pursued. 
 
Please contact a CNB St. Louis Bank team member to get a personalized quote regarding your commercial real estate loan options. 






Important Disclosures:

CNB St. Louis Bank is an Equal Housing Lender and Member FDIC.

Loan approval and closing timelines vary based on individual credit profiles, documentation, underwriting requirements, and other factors. While some applicants may receive a same‑day or expedited credit decision on certain loan products, no approval or timing is ever guaranteed. All estimated timeframes refer to business days and do not include Saturdays, Sundays, or federal holidays. Applications submitted outside normal business hours are reviewed on the next business day.

All loans are subject to credit approval and program requirements. Terms, conditions, and timelines are subject to change without notice. Contact a CNB St. Louis Bank Representative for complete details.

*Note that loan structures and approval considerations vary based on the property, business financials, and overall transaction. Commercial loan applications may require documentation like business financial statements, tax returns, property information, and organizational records.