Commercial Real Estate Loans

Commercial real estate (CRE) is property that produces income, used solely for business purposes. Examples include retail locations, office complexes, apartment buildings, and hotels. A commercial real estate loan is a mortgage secured by a lien on commercial, not residential, property.

Capitol Bank provides the financing you need to make your real estate needs reality. We assist with purchases, refinancing, or leveraging equity with commercial properties. Take advantage of tax breaks, control cash flow and overhead costs, and manage asset appreciation.

Types of commercial real estate loans we can assist with include:

Non Owner Occupied
Owner Occupied
Medical and Dental
Land Lease
Build To Suit

Why Choose Capitol Bank

Local decision makers

As an independent local Madison owned community bank, you’ll have a relationship with the individuals managing your commercial real estate loan. You’re more than a number in our system. You are a member of the Greater Dane County and surrounding community. That means that your success is our success.


We’ve been offering business term loans for the entirety of our 22 year history in Madison and Dane County. Our professional, friendly Commercial Lenders understand your particular industry and can assist in guiding you through the process of funding your business’s growth.

Incentive Structure

Our Commercial Lenders are not paid on commission. Yes, they have annual goals. However, their incentive is building long-term relationships not acquiring loans for short term profits. This means they’re motivated to get to know you and your business and build a relationship based on trust and mutual understanding.

Dedicated team

Our Commercial Lenders manage our clients. Unlike some lending organizations, we don’t pass our relationships off to inexperienced staff who know you only on paper. You’ll have a dedicated team including the Commercial Lender as your key contacts from the onset of our relationship.

Get In Touch

Let’s start a conversation. If you’re interested in other types of loans, learn more: Term Loans, Business Lines of Credit, Equipment Leasing, and SBA Loans from Capitol Bank.

Local Lenders

Meet the local commercial lending team that will assist you throughout the process.

Our People

Business Services

A suite of products to help your business run smoothly.

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Contact Us

Get in touch if you have questions or want to speak with someone live.