With a few notable exceptions, commercial loans by nature are never paid off. Shorter period balloon structure is utilized for cash flow purposes. The balloon allows banks to shift priorities within specific markets and move into and out of product classes as the economy / local market shifts.
The exceptions are Small Business financing, some apartment lending products and the larger commercial loans that fit into the lending guidelines of insurance companies or bond financing.
Generally with some form of pre-payment structure, commercial lending does not encourage the refinancing latitude we expect within the residential lending marketplace.