Own the Property Where Your Business Operates
Build equity and stabilize your operating costs with long-term commercial real estate financing for owner-occupied properties
Finance the Property Your Business Calls Home
Owner Occupied Commercial Real Estate (CRE) financing allows business owners to purchase or refinance the building where they operate. Instead of paying rent to a landlord, you build equity in your own property while stabilizing your monthly occupancy costs.
These loans are designed specifically for businesses that will occupy at least 51% of the property for their own operations. Whether you're buying your first commercial property or refinancing an existing one, CRE financing offers long-term stability and wealth-building potential.
Build Business Equity
Every payment increases your ownership stake in a valuable asset
Stabilize Operating Costs
Fixed payments protect against rent increases and lease uncertainty
Tax Advantages
Deduct mortgage interest and depreciate the property value
Long-Term Financing
10-25 year terms with competitive fixed or variable rates
Property Types We Finance
Owner-occupied commercial real estate financing for a wide range of business property types
Office Buildings
Professional office space for service businesses, medical practices, law firms, and corporate headquarters
Retail Spaces
Storefronts, shopping centers, and standalone retail buildings for customer-facing businesses
Industrial Facilities
Warehouses, manufacturing plants, distribution centers, and light industrial properties
Hospitality Properties
Restaurants, hotels, event venues, and food service establishments with owner operations
Medical Buildings
Medical offices, dental practices, urgent care facilities, and healthcare service properties
Mixed-Use Properties
Buildings combining commercial space with owner-occupied business operations and potential rental income
Benefits of Owning Your Commercial Property
Strategic advantages that make owner-occupied CRE financing a smart long-term investment
Build Wealth & Equity
Every mortgage payment increases your ownership stake in a valuable commercial asset that typically appreciates over time
Stabilize Operating Costs
Lock in fixed payments and eliminate uncertainty from lease renewals, rent increases, and landlord decisions
Tax Deductions
Deduct mortgage interest, property taxes, and depreciation to reduce your overall tax burden
Control Your Space
Customize and improve your property without landlord restrictions or approval requirements
Leverage Business Credit
Use your property as collateral for future business financing needs and credit line expansion
Long-Term Stability
Secure your business location for decades with 10-25 year financing terms and predictable payments
Purchase or Refinance Options
Whether you're buying a new property or refinancing an existing one, we have financing solutions
Purchase Financing
Finance the acquisition of commercial property where your business will operate. Ideal for businesses ready to stop renting and start building equity.
Up to 90% Loan-to-Value
Minimize down payment requirements with competitive LTV ratios
New Construction Eligible
Finance ground-up construction or major renovation projects
Flexible Property Types
Office, retail, industrial, medical, and mixed-use properties
SBA 504 Programs Available
Access government-backed financing with favorable terms
Refinance Options
Refinance existing commercial mortgages to lower rates, access equity, or improve cash flow. Perfect for businesses looking to optimize their real estate financing.
Lower Your Rate
Reduce monthly payments by refinancing to current market rates
Cash-Out Refinancing
Access built-up equity for expansion, renovations, or working capital
Consolidate Debt
Combine multiple loans into one payment with better terms
Extend Loan Terms
Improve cash flow by extending amortization periods
How CRE Financing Works
A structured process to secure commercial real estate financing for your business property
Property & Business Assessment
Submit details about the property, your business operations, financial performance, and intended use of the space
Lender Matching & Pre-Approval
We connect you with specialized CRE lenders and secure pre-approval based on property value and business strength
Property Appraisal & Due Diligence
Professional appraisal, environmental assessment, and title review to confirm property value and condition
Loan Structuring & Terms
Review loan amount, interest rate, term length, amortization schedule, and down payment requirements
Underwriting & Approval
Final review of business financials, property documentation, and loan conditions before formal approval
Closing & Funding
Sign loan documents, complete title transfer, and receive funds to purchase or refinance your property
Qualification Requirements
Basic criteria for owner-occupied commercial real estate financing approval
Property Requirements
Owner Occupancy
Business must occupy at least 51% of the property for operations
Property Condition
Must pass appraisal and environmental assessment standards
Clear Title
No liens, encumbrances, or title issues that prevent financing
Zoning Compliance
Property must be properly zoned for intended business use
Adequate Insurance
Property and liability insurance meeting lender requirements
Business Requirements
Time in Business
Typically 2+ years of operating history required
Strong Cash Flow
Debt service coverage ratio (DSCR) of 1.25x or higher preferred
Credit Score
Personal credit score of 680+ for best rates and terms
Down Payment
10-30% down payment depending on property type and loan program
Financial Documentation
Tax returns, financial statements, bank statements, and business plan
Ideal Candidate Profile
The strongest CRE financing candidates are established businesses with consistent profitability, strong cash flow, good credit, and a clear need for the property in their operations. We also work with businesses that may not meet all ideal criteria through specialized loan programs.
Frequently Asked Questions
Common questions about owner-occupied commercial real estate financing
Owner-occupied CRE financing is for properties where your business operates (51%+ occupancy). These loans typically offer better rates and terms than investment property loans because the business generates income from the property through operations, not just rental income. Investment properties are primarily for rental income and have different qualification criteria.
Ready to Own Your Business Property?
Stop paying rent and start building equity. Get pre-qualified for commercial real estate financing in minutes.