Purchase Owner-Occupied Property
Buy the building your business already leases, or a new location to move into — and stop paying rent for good.
Stop leasing. Start owning.
Owner-Occupied Commercial Real Estate Loans
Every lease payment builds your landlord's equity, not yours. SBA financing lets you turn what you're already paying in rent into a mortgage payment on your own building — stop being a tenant, and become your own landlord instead.
Program overview
Stop renting the ground under your business.
Every month you lease, part of that payment builds equity — just not yours. It builds your landlord's. SBA financing changes that equation: when a business occupies more than half of a property, it typically qualifies for owner-occupied financing — generally the most favorable real estate terms available, with lower down payments and longer amortization than a conventional commercial mortgage. Instead of a rent check with nothing to show for it, your payment builds equity in a building you own outright. We evaluate whether SBA 504, SBA 7(a), or conventional CRE financing fits best based on the transaction size, occupancy, and your goals — so you can stop paying down someone else's investment and start building your own.
What These Loans Can Finance
Refinance Existing CRE Debt
Refinance a conventional commercial mortgage into more favorable terms.
Construction & Expansion
Fund a renovation, addition, or major expansion of your facility.
Ground-Up Construction
Build a new facility on land you own or are purchasing as part of the transaction.
Real Estate + Equipment
Combine the property purchase with the equipment needed to operate in it.
Businesses We Regularly Finance
Medical & Dental Practices
Manufacturing & Ag Suppliers
Gas Stations & C-Stores
HVAC & Blue Collar Trades
Childcare & Education
Restaurants
Specialty Retail
Professional Services
Our role
Structuring the path from tenant to owner.
Occupancy & use analysis
We confirm eligibility and identify the best-fit real estate program.
Deal structuring
We structure the down payment, term, and any equipment or construction components.
Lender matching
We coordinate between the bank, CDC, and any other parties the structure requires.
Through closing
We manage appraisal, title, and closing coordination through funding.