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Notes -
I'm only loosely familar with commercial real estate lending (I did residential lending) but a major difference is that commercial lenders typically require market LTV maintenance whis means ~ margin calls. If your property tanks by 50% in current market value, your bank is going to call you & demand cash.
Now, they won't intentionally drive a performing loan account into bankruptcy. Banks are worse at liquidating siezed collateral than the original owner, and in any case really just want the loan payments. But if you have a generally solvent business, or you have lots of personal assets & gave personal guarantees (and most small businesses have to) they will absolutely make you shoulder the volatility risk and take your savings to pay down the loan to a % they are comfortable with. You can take the equity back out if & when the proprty appreciates again.
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