--- title: Match the Size of Your Commercial Loan to the Size of the Bank description: If you are trying to place a commercial loan, its important to submit your deal to the right-sized bank. --- [![c-loans-logo-2025](https://info.c-loans.com/hs-fs/hubfs/images/c-loans-logo-2025.png?width=183&height=86&name=c-loans-logo-2025.png)](https://c-loans.com) [Terms of Use](https://www.c-loans.com/terms-of-use) | [Disclaimer](https://www.c-loans.com/disclaimer) | [Blog](https://info.c-loans.com/) # Commercial Loans and Fun Blog ## [Match the Size of Your Commercial Loan to the Size of the Bank](https://info.c-loans.com/bid/79013/match-the-size-of-your-commercial-loan-to-the-size-of-the-bank) Posted by [George Blackburne](https://info.c-loans.com/author/george-blackburne) on Thu, Sep 27, 2012 - [Tweet](https://twitter.com/share) Here is a simple but important rule:  **Big banks like to make big commercial loans.  Small banks like to make small commercial loans.  **The wise commercial mortgage borrower or broker will therefore match the size of his commercial loan request to the size of the bank to which he submits his loan. [![Free List of 3,159 Commercial Lenders Sort By Your Own Criteria](https://no-cache.hubspot.com/cta/default/37671/edc33fe8-9d87-477b-bf2f-07a33d3d2d24.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/edc33fe8-9d87-477b-bf2f-07a33d3d2d24) The reason has to do with legal lending limits.  National banks cannot lend more than around 10% of their capital and reserves to a single borrower.  Therefore, if your small, local bank has just $20 million in capital, it cannot lend more than $2 million to a single commercial mortgage borrower. In real life, banks rarely make commercial loans larger than about 25% of their legal lending limit.  In practice, therefore, this small, local bank will probably seldom make a commercial real estate loan much larger than $500,000 (25% of $2 million). At the opposite end of the spectrum, Wells Fargo Bank, the fourth largest bank in America, loves to make $20 million commercial loans.  Instead of making 40 commercial loans of $500,000; they only have to make one commercial loan of $20 million.  It’s a lot less work and far more profitable. So what’s a big bank?  What’s a small bank?  A small bank arguably is any bank with less than $1 billion in assets. What are a bank’s assets anyway?  Bank assets consist mainly of outstanding loans.  Deposits are *liabilities* because they eventually have to be given back to the depositors. [A large bank is any bank with more than $20 billion in assets.](http://www.cardhub.com/edu/largest-us-banks/)  There are about 50 banks in America with more than $20 billion in assets. 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