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Business Property Financing

Commercial Loans

Ryan Minick and Steve DeLon — Branch Managers & Senior Loan Officers at Luminate Bank — connect you with Luminate Bank's commercial lending team for office, retail, multifamily, industrial, hospitality, and mixed-use property financing.

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Contemporary commercial building facade with reflective glass windows

A Partnership Approach

While Ryan and Steve specialize in residential mortgages, they work closely with Luminate Bank's commercial lending division. When you reach out, The 2 Mortgage Guys personally introduce you to the right commercial loan officers within their parent company.

That warm handoff means you start with people who already know your goals — then move to specialists who underwrite office, retail, multifamily, industrial, hospitality, and mixed-use deals every day.

Share your property type, timeline, and financing needs. Ryan and Steve route you to the commercial team, stay available for questions, and make sure you are in the right hands from the first conversation.

At a Glance

Your contactRyan & Steve introduce you
LenderLuminate Bank
FocusBusiness property financing
Property typesOffice, retail, multifamily & more
ApproachRelationship-focused CRE
Best forOwners buying or refinancing CRE

Commercial Property Types

Luminate Bank's commercial division can finance a wide range of business real estate — from single-tenant retail to larger multifamily and industrial assets.

Office Buildings

Financing for professional office spaces, medical offices, and corporate facilities.

Retail Properties

Loans for shopping centers, strip malls, standalone retail stores, and restaurants.

Multifamily

Apartment buildings, townhome communities, and residential investment properties.

Industrial & Warehouse

Manufacturing facilities, distribution centers, and storage warehouses.

Hospitality

Hotels, motels, resorts, and other lodging and hospitality properties.

Mixed-Use

Properties combining commercial and residential uses under one roof.

From First Call to Commercial Specialist

A clear path from your first conversation with The 2 Mortgage Guys to dedicated commercial loan expertise.

Step 1

Contact The 2 Mortgage Guys

Reach out to Ryan or Steve with your commercial property goals, timeline, and financing needs.

Step 2

Warm introduction

They personally connect you with Luminate Bank's commercial lending team who specialize in business property financing.

Step 3

Expert guidance

The commercial team takes it from there with specialized underwriting, terms, and local decision-making.

Luminate Bank

Your Trusted Commercial Lending Partner

Luminate Bank brings decades of experience in commercial real estate lending. Their dedicated team understands the unique challenges and opportunities of business property financing.

Competitive rates for qualified borrowers
Flexible terms tailored to your business
Local decision-making and quick turnaround
Experienced commercial loan specialists
Relationship-focused lending approach
Luminate Bank

Luminate Bank

NMLS# 1281698

Headquartered in Minneapolis, MN, Luminate Bank provides comprehensive commercial lending solutions for businesses across the nation.

Commercial Lending Office

2523 S. Wayzata Blvd., Suite 100
Minneapolis, MN 55405

Ready to Explore Commercial Financing?

Let The 2 Mortgage Guys connect you with Luminate Bank's commercial lending team for your business property needs.

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The 2 Mortgage Guys logo
The 2 Mortgage Guys

Ryan Minick and Steve DeLon — Branch Managers & Senior Loan Officers at Luminate Bank. Based in Kokomo, Indiana. Lending nationwide since 2005.

Contact

(765) 450-8933

[email protected]

Ryan Minick NMLS# 203249

Steve DeLon NMLS# 202876

Luminate Bank NMLS# 1281698

Kokomo's Mortgage Team. Lending Nationwide.

1221 Appletree Lane, Kokomo, IN 46902

NMLS Consumer Access

Luminate Bank NMLS 1281698 Bank Headquarters 2523 S. Wayzata Blvd., Suite 100 Minneapolis, MN 55405 (952) 939-7200. This is not an offer to enter into an agreement. Information provided is outlining the minimum down payment requirements as allowed by specific loan program and product guidelines and any information, rates and programs are subject to change without prior notice and may not be available in all states. All loans are subject to credit and property approval. Luminate Bank is not affiliated with any government agency. All rights reserved.

© 2026 The 2 Mortgage Guys at Luminate Bank. All rights reserved.