No, there may or may not be a pre-payment penalty, but in most cases there is a pre-payment penalty on commercial loans for a minimum of 1-3 years. The investor is lending a large sum of money and he wants to see that investment come to fruition. Your CMI Commercial Investment Sales Executive or Home Office Director will look for the “best” deal in your individual case…including the lowest pre-payment penalty.  You may have to choose between the lowest possible interest rate and a pre-payment penalty.  Some lenders will allow you to buy-out the “pre-payment” penalty if it is important to you.