Commercial Loans & Business Financing in New Jersey

Flexible Funding for Growing NJ Businesses

At Elias Mortgage, we do more than home loans. We help New Jersey businesses secure the capital they need to grow-from buying commercial property to covering payroll during a tight quarter.



Whether you're a small business owner in Monroe Township, an investor in Middlesex County, or an entrepreneur launching your next venture, we'll help you navigate the financing process with clarity and confidence. As a licensed mortgage broker with legal experience in real estate and business law, Adam Elias brings a rare dual perspective to your lending journey-offering guidance that protects your investment and your bottom line.

Explore Commercial Lending Options That Work for You

We work with a network of banks, private lenders, SBA partners, and specialty finance providers-so you get the right product, not just the one the bank's pushing.



Here's a look at the commercial financing programs we offer:

Commercial Property Loans

Finance office buildings, warehouses, retail spaces, and more with competitive long-term commercial mortgages.

SBA 7(a) Loans

Government-backed loans ideal for business expansion, including property purchases, equipment, and working capital.

Equipment Financing

Lease or finance the tools you need to run and grow your business-from machinery to vehicles.

Business Line of Credit

Flexible revolving credit for cash flow gaps, inventory needs, or seasonal fluctuations.

Short-Term Working Capital Loans

Quick access to funding for expenses like payroll, marketing, or project costs.

Not sure what fits best? We'll walk you through it.

Why Work With Elias Mortgage for Business Lending?

We've worked with business owners, real estate investors, and professionals across Central New Jersey-so we understand the needs of growing companies and how to solve financing challenges.



Here's what makes our process different:

  • Real Options, Not Just One Bank's Offer

    With access to dozens of lenders, we compare rates, terms, and structures to get you the most competitive deal.

  • Clear, Down-to-Earth Guidance

    We explain every step, review documents with you, and help avoid surprises at closing.

  • Built-in Legal Insight

    As a practicing attorney, Adam can spot issues in contracts or leases and offer practical solutions other brokers might miss.

  • Full Coordination

    From appraisals to underwriting packages, we help you prepare, present, and close your loan with confidence.

Whether you're buying a warehouse, opening a second location, or managing a startup budget, we tailor the plan to fit your goals.

Local Knowledge That Goes Beyond the Numbers

We're based right here in Monroe Township and proudly serve Middlesex County and surrounding business communities. That means we're familiar with the local real estate market, economic landscape, and lender preferences-and we use that knowledge to your advantage.



From small manufacturers in Jamesburg to retail shops in East Brunswick and service professionals in Old Bridge, we know how to structure loans that match New Jersey's unique commercial climate.

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What You Need to Know About Commercial Lending

  • What financial documents will I need to apply?

    Most commercial loans require 2-3 years of business tax returns, profit & loss statements, balance sheets, and sometimes personal financial statements. If you're buying real estate, you'll also need property details like leases or rent rolls.

  • What's different about commercial mortgages vs. home loans?

    Commercial loans often have shorter terms (5-10 years) with longer amortizations (up to 25 years). Balloon payments are common. Rates tend to be higher, and lenders often evaluate the income potential of the property-not just your credit.

  • Can a startup qualify for a business loan?

    Yes, particularly through SBA programs or if the owner has strong personal credit and assets. Startups may need to offer a personal guarantee or business plan, but we can walk you through what's realistic and which programs allow it.

  • Will I need a business plan?

    For SBA loans and some working capital options, yes-a basic plan or financial projections may be required. For real estate loans, the property's income may be enough. We'll help you prep exactly what's needed for your loan type.

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Let's Fuel Your Business Growth

Every business has different financing needs. Whether you're buying commercial real estate, expanding operations, or bridging seasonal cash flow, we'll take the time to understand your goals and connect you with the right loan.