Owner-Occupied Business Property
Buy the building your business calls home with favorable financing terms.
Owner-Occupied Financing Options
SBA 504 Loans
Fixed below-market rates with as little as 10% down through the SBA 504 program, ideal for property purchases.
SBA 7(a) Loans
Flexible SBA 7(a) financing that can cover the purchase, renovation, and working capital in one loan.
Traditional Commercial
Conventional commercial mortgages with competitive rates for established businesses with strong financials.
Up to 90% Financing
SBA programs offer up to 90% financing, keeping more capital available for business operations.
Long Terms
Up to 25-year amortization for real estate, keeping monthly payments low and predictable.
Build Equity
Stop paying rent and start building equity in a property that appreciates over time.
Your business must occupy at least 51% of the usable space in the building. The remaining 49% can be leased to other tenants for additional income.
Yes. Both SBA and some traditional programs allow you to finance property improvements as part of the purchase loan.
You need a for-profit business, reasonable credit (typically 680+), adequate cash flow, and a solid business plan. Your business must meet SBA size standards.
Yes. SBA and traditional programs both offer refinancing to lower your rate, reduce payments, or access equity for business purposes.
Ready to Own Your Business Property?
Get pre-approved for owner-occupied financing.