Owner Operated Commercial Real Estate

Renting commercial real estate for business use can be a challenge. You have to negotiate with the landlord for tenant improvement funds, wait for critical repairs, and request approval to modify the building to suit your use. If this is your situation, purchasing owner-operated commercial property might be right for you.

ACCESS FUNDS FOR GROWth…

Real Estate Loans

Buy now, pay over time

To purchase the right property for your business, we will help you source the right commercial real estate loan. These funds are used to buy retail space, manufacturing facilities, industrial property, and warehouses. Commercial real estate loans can also be used as part of a refinancing arrangement, allowing you to access lower interest rates and boost your monthly working capital.
PRE-APPLICATION FORM
SBA 7(a) Loans

Buy property, reduce cost

The Small Business Administration offers a popular loan arrangement called the 7(a) Program. Through this option, small businesses can obtain up to 90% of the target asset’s value in funding, or up to $5 million. This program is generally for long-term purchases and can provide loans up to 25 years with highly competitive rates.
PRE-APPLICATION FORM
SBA 504 Loans

Bolster jobs and grow

The SBA 504 Program comes with tighter financing requirements, including a stipulation that funds must help create jobs. For example, funds must be spent on their stated purposes. The 504 Program requires applicants to work with a Certified Development Company (CDC) in order to receive funding, but funds can be more specialized, including owner-operated new construction.
PRE-APPLICATION FORM
Bridge Loans

Transition to a new property

If you don’t have the luxury of waiting to access a new owner-operated building, consider taking out a bridge loan. Our network can get you through the process in under 48 hours, allowing you to get the funds you need to “bridge the gap” between an immediate purchase and long-term financing.
PRE-APPLICATION FORM

Advantages

Financing your real estate purchase provides many benefits. Through our network, you can:

Obtain cash to increase your purchasing power

Refinance debts with high interest

Receive specialized assistance from the SBA

Access funds quickly through a bridge loan

We’ve given a few examples of the most popular types of loans that bring cash into your business quickly.

There is always more to learn.

Will my business qualify for a commercial real estate loan?
Commercial real estate loans are focused on “owner-occupied” property, requiring you to utilize at least 51% of the location’s space. Most lenders will also want to see a detailed business plan, tax return documents, and other financial records, as well as an official property appraisal. If you do not plan to occupy at least 51% of the space, then consider exploring other options with us.
What is an owner-occupied property?
Owner-occupied or “owner-operated” properties are facilities or buildings where the owner is the primary occupant. Examples include local offices, headquarter buildings, shared service centers, and manufacturing facilities.
Do I need healthy credit to secure a commercial real estate loan?
Financers usually require a credit score of at least 680. However, our network can point you to resources and options that can help you increase your score or secure alternative financing. Either way, we can help you find the best deal for your situation.
Do I need to make a down payment?
The majority of lending firms will ask for a 20% to 25% down payment for a real estate loan. However, the SBA gives eligible companies the option to provide a 10% down payment. And, of course, the larger your down payment, the lower your potential interest rates and the stronger your application.

Here's How To Get Started

Complete a Short Questionnaire

The information you provide will help us begin creating a plan for where you want to go.  As we learn more about you, we’ll customize and adapt our solutions for your true needs.

Have an In-Depth Conversation with our Team

After reviewing the information, we’ll set up a conversation to understand your business more thoroughly.  With the full picture of you and your business, we will work with our network to generate offers and showcase the best solutions to you. 

Submit an Application

Our team will answer any questions you may have to this point.  When you are content with the answers and information, we’ll help navigate you through the loan application process. Take Advantage of Continual Support. Things change.  We get it. Our lending professionals and brokers will stand by to provide further advice or answer questions as needed, even after the initial application is complete. 

What is the working capital ratio?

If you don’t have enough money to pay employees and keep the lights on, then the value of your long-term assets matters very little. That money, used for almost all daily expenses is referred to as working capital. Most businesses try to maintain a working capital ratio between 1.5 and 2.0. If you’re not sure what your ratio is, simply divide your firm’s annual liquid assets by its annual short-term expenses. The result is your working capital ratio.

Is working capital financing right for my firm?

If you are looking to make a large investment or a long-term purchase, it is usually better to focus on certain tools (like a real-estate loan).  Working capital loans are usually better for short-term situations and boosting operational cash. If you are not in a rush for funds, other financing tools may be better for you, as working capital financing often comes with higher interest rates.

Will a factor impact my client relationships?
While not all factors interact with your clients in the same way, most clients won’t notice when you use a factor. In most situations, a simple notice of where to send payment is the only contact the client receives.
Are Hard Money Loans a safe option?
When you work with our network, you can rest assured that each lender has been thoroughly vetted, is licensed, and bears a reputation for integrity. All of our partners adhere to local and national laws and policies and meet established standards for credibility and trustworthiness. Additionally, if a Hard Money Loan is not the right tool for your business, our partners will tell you upfront and help you find a more appropriate financial solution. We are transparent with our terms and conditions and will answer any questions your team has. We want your business to feel safe and comfortable in its decision to work with us.