Funding for owner-occupied commercial real estate
Owner-occupied real estate transactions typically benefit from longer-term, lower-rate structures that working capital products are not designed for.
When this use case comes up
Buying or refinancing the property your business occupies is one of the strongest use cases for SBA-referred financing, which is designed for longer terms and lower down payments than conventional commercial mortgages.
We help evaluate whether SBA, conventional commercial, or a combined structure makes the most sense for the property and the business.
What helps us match you to the right partner
- Property details and intended use
- Business financials and time in business
- Down payment or equity contribution available
Funding options often used for this
SBA loan options
SBA 7(a) and similar programs for qualified borrowers seeking longer terms and lower rates through our funding network.
Learn moreTerm loans
Fixed-amount financing repaid over a set schedule. Often used for expansion, equipment, or consolidating higher-cost obligations.
Learn moreFunding is subject to approval and not all applicants will qualify. Terms, structures, and availability are determined by the funding partner.
Other situations we help with
Payroll and operating cash flow
Financing options for businesses bridging payroll, rent, and recurring operating costs between billing cycles.
Learn moreInventory and seasonal working capital
Working capital for businesses with cyclical demand, seasonal peaks, and inventory build-up ahead of selling periods.
Learn moreEquipment, vehicles, and fleet
Financing for acquiring or replacing machinery, vehicles, fleet, medical, dental, kitchen, manufacturing, or technology equipment.
Learn moreTalk through your situation with a specialist
No obligation. We'll review what you're trying to fund and walk you through the structures most likely to fit.