CLD Financial is a commercial mortgage banking firm specializing in apartment and commercial real estate loans from $1M–$1B, partnering with Fannie Mae, Freddie Mac, FHA, and institutional investors.
Data compiled from public sources · Rating from CreditDoc methodology
CLD Financial is an independent, privately held commercial mortgage banking firm founded to streamline commercial real estate lending across the continental United States. The company has grown into a leading originator of commercial debt by combining extensive underwriting and closing expertise with an internet-based originating platform, processing millions of dollars in new loan requests monthly. CLD Financial serves a nationwide network of over 300 affiliates and 100+ commercial real estate professionals.
The company offers a comprehensive suite of commercial lending products, including SBA 504 and 7(a) loans, USDA financing, conventional loans, FHA mortgages, Fannie Mae and Freddie Mac programs, bridge loans, mezzanine financing, equipment loans, factoring, and conduit loans. They specialize in loans exceeding $1 million, targeting small, mid, and large-balance commercial real estate across multifamily, office, retail, industrial, and self-storage properties. CLD Financial has processed $21 billion in transactions and offers 200+ loan programs.
What distinguishes CLD Financial is its origination-only business model: unlike competitors, the company originates loans but does not service them, instead releasing servicing rights to a predefined purchaser. This structure allows the firm to maintain focus on loan origination, customer service, and product development while keeping costs low. The company is a Georgia Lenders Quality Circle member, holds Georgia Mortgage Bankers Association membership, and maintains an A rating with the Better Business Bureau. Their state-of-the-art online platform emphasizes transparency and efficiency.
CLD Financial is best suited for commercial real estate investors, property owners, and businesses seeking loans in the $1 million to $1 billion range. However, they are not a consumer lender and do not offer residential mortgages, personal loans, or small-dollar financing. The company's focus on commercial-only lending and minimum loan thresholds means they serve a specialized, institutional market rather than individual consumers.
Yes. CLD Financial, LLC. is a registered company, headquartered in Atlanta, GA.
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CreditDoc Diagnosis
CLD Financial is best for commercial real estate investors and mid-market businesses seeking loans of $1 million or more. The main caveat is that this is a B2B commercial lender, not a consumer finance company—consumers seeking residential mortgages, personal loans, or small-dollar financing should look elsewhere.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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