Own the BuildingYour Business Calls Home
Stop paying rent. Build equity in commercial real estate with owner-occupied financing. SBA and conventional options with low down payments available nationwide.
Stop Paying Rent, Start Building Wealth
Every month, thousands of successful businesses write rent checks that build someone else's wealth. Owner-occupied commercial financing changes that equation—your monthly payment builds equity in real property you own.
The SBA 504 program was specifically designed to help small businesses acquire commercial real estate with just 10% down. Combined with fixed rates and 20-25 year terms, it's often possible to own for less than you're currently paying in rent.
Beyond the immediate financial benefits, owning your business location provides stability, control, and a valuable asset that can fund your retirement or serve as collateral for future growth.
Build Business Equity
Stop paying rent to a landlord. Every payment builds equity in a property you own, creating long-term wealth for your business.
Low Down Payments
SBA 504 loans offer as little as 10% down, making commercial property ownership accessible for qualified businesses.
Long Amortization Terms
Finance your property over 20-25 years for lower monthly payments compared to shorter commercial loan terms.
Fixed Rate Options
Lock in your rate for the long term with SBA programs, protecting your business from interest rate fluctuations.
Owner-Occupied Loan Programs
We match your business with the right financing structure for your goals and qualifications.
SBA 504 Loan
The most popular program for owner-occupied commercial real estate. Combines a bank loan, CDC loan, and owner equity for maximum benefit.
- Fixed rate on CDC portion
- Low down payment requirement
- Long amortization terms
- For property purchase and improvement
SBA 7(a) Loan
Flexible financing for property purchase, construction, renovation, or equipment. Can also include working capital.
- Multiple uses in one loan
- Can include working capital
- Variable or fixed rate options
- Nationwide availability
Conventional Commercial
Traditional commercial mortgages without SBA requirements. Faster processing for well-qualified borrowers.
- Faster closing possible
- No SBA paperwork
- Various rate options
- Higher loan amounts available
We Finance All Owner-Occupied Property Types
Whatever type of commercial property your business needs, we have financing solutions. From offices to warehouses, retail to manufacturing—we've funded it all.
How Owner-Occupied Financing Works
Business Consultation
We discuss your business, property needs, timeline, and goals to determine the best financing approach for your situation.
Pre-Qualification
Quick review of your business financials to confirm eligibility and provide preliminary terms before you commit to a property.
Application & Underwriting
Submit full application with business and personal financials. We guide you through the SBA or conventional loan process.
Appraisal & Due Diligence
Property appraisal, environmental assessment (Phase I), and any other required inspections are completed.
Approval & Closing
Receive final approval, complete closing documents, and take ownership of your commercial property.
Owner-Occupied Financing FAQs
Common questions about SBA loans and owner-occupied commercial financing.
Ready to Own Your Business Location?
Get pre-qualified for owner-occupied financing and find out how much property you can purchase.