Your commercial or investment property holds equity — and that equity is working capital you can put to work today. A cash-out refinance lets you access that value, often while lowering your existing interest rate and improving your overall debt structure.
A cash-out refinance replaces your existing mortgage with a new, larger loan — and the difference between the two is paid out to you in cash. That cash can be used for any business purpose.
For example: if your property is worth $1M and you owe $500K, you may be able to refinance to $750K — accessing $250K in cash while potentially improving your rate and terms.
Rather than taking on entirely new debt, a cash-out refinance lets you access capital that's already working for you — the equity in your property. And because it's secured by real estate, rates are typically much lower than unsecured business loans or lines of credit.
Many business owners use a cash-out refinance to consolidate higher-interest debt, reducing their overall monthly payment while simultaneously freeing up working capital. It's one of the most financially efficient tools available when your property has meaningful equity.
At Upstart Advance, we analyze your current loan, property value, and business goals to structure the optimal cash-out scenario — making sure you capture maximum value while maintaining a healthy equity position.
Depending on your property value and equity position, you can access hundreds of thousands — even millions — of dollars through a single cash-out refinance transaction.
If current rates are favorable or your credit profile has improved since your original loan, a refinance may reduce your interest rate — lowering your monthly payment while you access cash.
Upstart Advance presents every detail of your new loan structure clearly — rate, term, closing costs, and cash proceeds — before you sign a single document. No surprises at the closing table.
Because the loan is secured by real estate, interest rates are significantly lower than unsecured business loans or lines of credit — making this one of the most cost-effective ways to access capital.
Roll multiple high-interest loans into one lower-rate mortgage payment. Many clients reduce their total monthly debt obligations while also accessing cash — a powerful dual benefit.
We work with office buildings, retail centers, mixed-use properties, multifamily, industrial, and investment residential properties — providing flexibility across your real estate portfolio.
Our advisors manage the entire process — from initial analysis to funding — with complete transparency every step of the way.
We assess your property value, current loan balance, and equity position to identify the optimal cash-out scenario.
Your advisor presents a detailed term sheet — new rate, term, closing costs, and cash-out amount — with full transparency.
We submit your application to our lender network and negotiate the most favorable terms available for your situation.
Closing is coordinated by your advisor. Once complete, your cash proceeds are deposited and your old loan is paid off.
Typically, lenders allow you to borrow up to 75–80% of your property's appraised value (loan-to-value ratio). The exact amount depends on the property type, your credit profile, and the lender's requirements. Your Upstart Advance advisor will run the numbers for your specific situation.
We work with commercial real estate (office, retail, industrial, mixed-use), multifamily properties (2+ units), owner-occupied commercial buildings, and investment residential properties. Each property type has specific LTV and qualification guidelines that your advisor will explain.
Commercial cash-out refinances typically take 3–6 weeks from application to closing. The timeline depends on the property type, loan size, appraisal scheduling, and lender processing. Our advisors work to accelerate every step and keep you informed throughout the entire process.
Generally, no — cash-out proceeds from a business refinance can be used for any legitimate business purpose: expansion, equipment, working capital, debt consolidation, or reinvestment. Some lenders may have specific guidelines for the use of funds, which your advisor will explain before you commit.
Our advisors will analyze your property and structure the optimal cash-out refinance scenario — no obligation, no pressure.