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Hotel Construction Lender Types Of Commercial Construction Refinance Commercial Loans commercial balloon refinancing: How to Refinance Commercial. – SBA 7(s) real estate refinancing loans are fully-amortized up to 25 years, with rates that are generally between 5-6.5%. private lender: Non-bank private commercial real estate lenders offer a variety of lending options for real estate owners looking to refinance a commercial balloon payment.