Owner-Occupied Commercial Mortgage
Stop paying rent — purchase the building your business operates from with SBA or conventional commercial financing.
Overview
If your business rents its space, purchasing the building you operate from can be one of the best business decisions you make. Owner-occupied commercial mortgages — especially SBA 504 loans — offer low down payments (10%), fixed rates, and long terms. Owning your building builds equity, locks in your occupancy costs, and provides potential tax benefits.
Who Is This For?
- Business owners renting who want to buy their building
- Companies expanding into new, purchased facilities
- Professionals (medical, legal, dental) purchasing practice space
- Business owners wanting to build an asset while operating their company
Recommended Programs
Loan programs that fit this buying scenario.
The Buying Process
What to expect from pre-approval to closing.
Needs Assessment
What size, location, and type of building does your business need?
Program Selection
SBA 504, SBA 7(a), or conventional — best fit for your situation.
Purchase & Occupy
Close on the building and start building equity instead of paying rent.
Frequently Asked Questions
SBA programs require the business to occupy at least 51% of the building. The remaining space can be leased to tenants.