Essentially, any sort of commercial loan can enter into commercial loan modification negotiations. This is really a matter of the lender that you’re working with being willing to work with you about this. Quite frankly, if your lender’s a big box bank, chances are there are strict structural procedures that are in place that the banker absolutely cannot deviate from. The banker may have you wait at his or her desk for a while (or rather, a long while), walking back and forth from the desk to the manager’s office, as if there’s a chance to get some sort of deal worked out, but ultimately there are rules for commercial loan modification issued from the very top that cannot be deviated from. There are rare cases in which you can get a banker to hear you out, and come to some sort of solution about your situation, or you can also use the ways and means that are built into the loan itself to modify the agreement.