Finance the property your business operates from—across the USA and Canada—with loan structures designed for long-term stability, control, and sustainable growth.
An owner-occupied commercial loan is financing used to purchase or refinance a commercial property that your business primarily occupies and operates from. For many businesses, this is a strategic shift from paying rent to building long-term equity in a facility they control. These loans may be structured through conventional commercial lenders, and for eligible borrowers, through SBA-backed programs offering longer terms and favorable leverage.
Competitive rates and flexible terms for established businesses with strong, consistent financial performance.
Flexible financing for acquisitions, refinancing, working capital, and expansions with extended terms.
Long-term, fixed-rate financing ideal for owner-occupied real estate and major equipment purchases.
Clear guidance at each step helps reduce delays and improve approval outcomes.
We evaluate your business goals, property details, and borrower profile to understand eligibility and financing direction.
Suitable loan programs are identified based on your timeline, cash-flow requirements, and long-term business objectives and strategy.
Required financial statements, property information, and disclosures are organized and submitted to appropriate lenders.
Lenders underwrite the request by reviewing business performance, property fundamentals, risk factors, and repayment ability.
Final loan terms are confirmed, all conditions are satisfied, and funds are released once the transaction successfully reaches closing.
Monthly payments may convert occupancy expenses into a long-term business asset
Greater flexibility for renovations, branding, operating hours, and long-term planning
Minimizes risks from rent hikes, lease renewals, or unexpected business relocations.
Allows businesses to restructure financing as they grow and achieve long-term stability.
Property purchases typically need substantial upfront capital, including down payment and fees.
Capital invested in real estate can reduce short-term cash flow flexibility, limiting funds for immediate needs.
You are fully responsible for all maintenance, taxes, insurance, and repair costs associated with the property.
Underwriting carefully assesses both the business’s financials and the property to determine loan eligibility and risk.