Commercial Real Estate Loans

Flexible Financing for the Eastern Shore's Business Builders

At Queenstown Bank of Maryland, we understand that commercial real estate is more than just property. It's a foundation for growth. Whether you're acquiring land, developing residential communities, or constructing commercial facilities, our experienced real estate lenders are here to help you structure a loan that aligns with your business goals. We are proud to be a trusted partner for the Eastern Shore's commercial developers, builders, and entrepreneurs. If you're ready to expand your portfolio, we’re here to help you succeed with flexible terms, competitive rates, and a commitment to your vision. Contact our commercial lending team to learn more about your options.

Meet Our Lenders

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Why Choose Queenstown Bank

We're proud to be a lending partner to local business owners. When you choose to work with Queenstown Bank, you can expect:

Local Decision-Making: Lending decisions are made right here on Maryland’s Eastern Shore.
Industry Expertise: Our lenders bring deep market knowledge and decades of experience.
Customized Solutions: No two businesses are alike, and neither are our loans.
Personal Service: We work closely with you to understand your project and tailor financing accordingly.

Our Commercial Real Estate Loan Offerings

We tailor your commercial real estate loan to your unique needs as a borrower. At Queenstown Bank, your loan can be used for:

Land Acquisition & Development
Residential Housing Construction
Commercial Property Construction
Fixed and Adjustable Rate Mortgages Available

Fixed-Rate vs. Adjustable Rate Commercial Mortgages - Which is Right for Your Business?

Commercial Real Estate Loan Type	What You Need to Know About This Loan
Fixed-Rate Commercial Mortgage	A fixed-rate commercial mortgage offers stability and predictability. Your interest rate remains the same throughout the loans entire term, which means your monthly payments won’t change. This is ideal for long-term projects or businesses that prefer consistent budgeting and want to avoid market fluctuations. While the initial rate may be slightly higher than an adjustable option, the peace of mind and long-term planning advantages often outweigh the cost.
Adjustable-Rate Commercial Mortgage	An adjustable-rate mortgage starts with a fixed-interest rate for an initial term. This initial rate is typically lower than a fixed-rate mortgage loan, which can be attractive for short-term projects or businesses expecting to refinance or sell within a few years. However, the rate adjusts periodically based on market conditions, which means your payments could increase over time. This option offers flexibility and potential savings early on, but it carries more risk if interest rates rise. It’s best suited for borrowers who can manage variability or plan to exit the loan before adjustments become significant.

Commercial Real Estate Loan Type

What You Need to Know About This Loan

Fixed-Rate Commercial Mortgage

A fixed-rate commercial mortgage offers stability and predictability. Your interest rate remains the same throughout the loans entire term, which means your monthly payments won’t change. This is ideal for long-term projects or businesses that prefer consistent budgeting and want to avoid market fluctuations. While the initial rate may be slightly higher than an adjustable option, the peace of mind and long-term planning advantages often outweigh the cost.

Adjustable-Rate Commercial Mortgage

An adjustable-rate mortgage starts with a fixed-interest rate for an initial term. This initial rate is typically lower than a fixed-rate mortgage loan, which can be attractive for short-term projects or businesses expecting to refinance or sell within a few years. However, the rate adjusts periodically based on market conditions, which means your payments could increase over time. This option offers flexibility and potential savings early on, but it carries more risk if interest rates rise. It’s best suited for borrowers who can manage variability or plan to exit the loan before adjustments become significant.