Commercial Real Estate Loans in Maryland: 2025 Investor’s Guide
Maryland’s dynamic commercial real estate (CRE) landscape offers lucrative opportunities for investors and business owners. In 2025, robust demand continues to drive investment in office complexes, multifamily developments, retail centers, and industrial properties—particularly across thriving urban and suburban areas. This guide provides a comprehensive overview of the available commercial real estate loan options in Maryland, local market intelligence, top lenders, and the step-by-step financing process to empower your next acquisition or development project.
- Commercial Real Estate Loans in Maryland: 2025 Investor’s Guide
- Maryland Commercial Real Estate Loan Types in 2025
- Spotlight: Bridge Loans in Maryland’s 2025 Market
- Key Commercial Areas and Districts in Maryland
- Top Commercial Real Estate Lenders in Maryland (2025)
- How to Apply for a Maryland Bridge Loan: Step-by-Step
- Recent Success Stories: Real-World Maryland CRE Bridge Loans
- 2025 Maryland CRE Market Outlook & Loan Considerations
- Ready to Invest? Your Next Steps
Maryland Commercial Real Estate Loan Types in 2025
As market fundamentals adjust to new economic realities—such as evolving work patterns, shifting retail, and strong multifamily demand—investors must understand the best-fit financing for their CRE strategy. The most popular options in Maryland this year:
- Bridge Loans: Short-term, flexible loans for quick acquisitions, repositioning, or value-add projects.
- Commercial Mortgages: Long-term financing for stabilized income-producing properties with attractive fixed or floating rates.
- Construction Loans: Funding for ground-up developments or major renovations, typically interest-only during the build period.
- Multifamily Loans: Specialized financing for apartment and mixed-use properties, with options through banks, agencies, and private lenders.
Spotlight: Bridge Loans in Maryland’s 2025 Market
Bridge loans are increasingly essential in Maryland’s fast-paced CRE environment. These loans provide interim financing—usually 12-36 months—for investors needing to secure a property, complete renovations, or await long-term stabilization before refinancing to a permanent mortgage. Bridge loans are popular among buyers capitalizing on distressed assets in cities like Baltimore or executing value-add strategies in suburban business hubs.
Need capital? GHC Funding offers flexible funding solutions to support your business growth or real estate projects. Discover fast, reliable financing options today!
⚡ Key Flexible Funding Options:
GHC Funding everages financing types that prioritize asset value and cash flow over lengthy financial history checks:
DSCR Rental Loan
- No tax returns required
- Qualify using rental income (DSCR-based)
- Fast closings ~3–4 weeks
SBA 7(a) Loan
- Lower down payments vs banks
- Long amortization improves cash flow
- Good if your business occupies 51%+
Bridge Loan
- Close quickly — move on opportunities
- Flexible underwriting
- Great for value-add or transitional assets
SBA 504 Loan
- Low fixed rates through CDC portion
- Great for construction, expansion, fixed assets
- Often lower down payment than bank loans
🌐 Learn More
For details on GHC Funding's specific products and to start an application, please visit our homepage:
- Typical loan amounts: $500,000 to $10M+
- Terms: 1-3 years, with interest-only payments
- Rates: 8.00% – 11.50%, depending on risk profile and collateral
- Speed: Funding in as little as 2-4 weeks
Key Commercial Areas and Districts in Maryland
Maryland’s commercial property market is diverse and regionally vibrant. Top investment targets in 2025 include:
- Downtown Baltimore: Office towers, mixed-use revitalization, and adaptive reuse projects.
- Montgomery County: Suburban offices, life sciences, and multifamily in cities like Bethesda and Rockville.
- Prince George’s County: Logistics parks, retail centers, and transit-oriented multifamily.
- Silver Spring: Transit-oriented office and healthcare facilities.
- Annapolis Historic District: Boutique hospitality and retail investments.
- Frederick Technology Corridor: Light industrial, flex space, and emerging tech parks.
- Columbia Gateway: Corporate office/mixed-use nodes benefiting from population growth and business relocation.
Top Commercial Real Estate Lenders in Maryland (2025)
Several lenders stand out in Maryland for their specialist CRE programs, local presence, and responsive underwriting:
- M&T Bank: Robust bridge and permanent loan options for Baltimore Metro and suburban office/industrial.
- EagleBank: Known for flexible bridge financing and construction loans in Montgomery and Prince George’s counties.
- Fulton Bank: Regional construction and small balance CRE expertise.
- Sandy Spring Bank: Emphasis on local market knowledge and multifamily lending.
- Berkadia: National agency multifamily lending and CMBS products, active across Maryland’s urban markets.
- Walker & Dunlop: Apartment and mixed-use loan specialist, strong presence in Bethesda and Silver Spring.
How to Apply for a Maryland Bridge Loan: Step-by-Step
- Preliminary Assessment: Evaluate target property, improvement plan, and exit strategy (refinance or sale).
- Lender Selection: Choose a lender with Maryland-market expertise and suitable bridge loan offerings.
- Loan Request and Term Sheet: Submit project details, business plan, and experience. Review indicative rates, terms, and closing timelines.
- Document Submission: Prepare due diligence materials—property appraisals, leases, organizational docs, financial and credit history.
- Underwriting and Approval: Lender reviews value, business plan, sponsorship, property condition, and legal/title matters.
- Closing: Review final commitment, execute loan docs, and close. Most bridge lenders in Maryland fund within 2-4 weeks of term sheet acceptance.
Recent Success Stories: Real-World Maryland CRE Bridge Loans
- Baltimore Industrial Repositioning: A local investor secured a $2.1M bridge loan from M&T Bank to acquire and renovate a light industrial warehouse near Port Covington. The 18-month loan, at 9.25% interest-only, funded site upgrades and tenant improvements. Upon stabilization, the sponsor refinanced with permanent financing at a lower fixed rate.
- Bethesda Multifamily Acquisition: A developer used a $4.3M bridge loan from EagleBank (LTV: 75%) to purchase a value-add, 38-unit apartment complex. The two-year interest-only loan at 8.95% enabled renovations and lease-up, after which permanent agency financing was placed.
- Historic Annapolis Retail Conversion: Fulton Bank provided $950K bridge financing for a retail-to-mixed-use conversion. The 24-month loan, interest-only at 10.15%, included funds for façade upgrades, code compliance, and tenant fit-out. The asset reached >90% occupancy within a year, facilitating a profitable refinance.
2025 Maryland CRE Market Outlook & Loan Considerations
Despite higher interest rates relative to previous years, Maryland’s diverse economy, growing population, and proximity to Washington D.C. fuel ongoing commercial real estate demand. Investors are finding opportunity in:
- Value-add office and flex conversions in urban/suburban nodes
- Multifamily development in Montgomery, Prince George’s, and Frederick corridors
- Industrial/last-mile distribution hubs serving e-commerce growth
- Urban core revitalization projects in Baltimore and Silver Spring
Bridge loans are especially useful in transitional markets—where investors need speed, flexibility, and a partner who understands Maryland’s regulatory and market nuances. Leveraging local lenders accelerates approvals and optimizes deal structure.
Ready to Invest? Your Next Steps
Whether acquiring a mixed-use property in Columbia Gateway or repositioning an industrial asset in Baltimore, understanding Maryland’s commercial lending landscape is your foundation for competitive advantage in 2025. Compare lender programs, focus on a clear exit strategy, and align your capital stack for success.
- Consult with a Maryland CRE financing advisor early
- Prepare detailed pro formas, business plans, and due diligence packages
- Engage with lenders who have deep Maryland market expertise
- Time your bridge loan exit to coincide with project milestones and market conditions
For more on Maryland CRE loan options, current rates, and lender comparisons in 2025, speak with a local specialist or request a customized quote for your next property.
Get a No Obligation Quote Today.
Use these trusted resources to grow and manage your small business—then connect with GHC Funding
to explore financing options tailored to your needs.
GHC Funding helps entrepreneurs secure working capital, equipment financing, real estate loans,
and more—start your funding conversation today.
Helpful Small Business Resources
