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Owner-Occupied Commercial Real Estate
Financing for businesses buying the space they operate from, instead of leasing — often with better terms than investment property, since the underwriting includes your business's financials.
A loan to buy a commercial property your own business will trade from.
Apply NowWho it's for
Business owners tired of paying rent who want to own their premises instead.
How it works
- 1Your business must typically occupy a majority of the space.
- 2Because you occupy it, SBA programmes often apply — usually the cheapest route.
- 3Deposits can be lower than for pure investment property.
- 4Your rent becomes a mortgage payment building your own equity.
What to watch out for
Owning ties your business to a location. If you might outgrow or need to move within a few years, renting can be the better commercial decision.
At a glance
- ●For businesses occupying at least 51% of the property
- ●Often better terms than investment property financing
- ●Underwriting includes your business's financials
- ●Can often be paired with SBA financing
Common questions
How much of the building must I occupy?
SBA rules generally require you to occupy at least 51% of an existing building. The rest can be let out.