| Best for | Buying or refinancing the building your business occupies |
| Loan size | $1M to $25M+ |
| Paths | SBA 504, SBA 7(a), bank, credit union, USDA, private |
| Down payment | 10% with SBA; 20–25% conventional |
| Rate type | Fixed or variable; long fixed periods available with SBA 504 |
| Term | 5–10 year fixed periods on 20–25 year amortization (conventional); up to 25 years fully amortizing (SBA) |
| Occupancy | Business occupies at least 51% of an existing building |
| Time to close | About 45–90 days |
| Guarantee | Personal guarantee from 20%+ owners is typical |
Typical ranges, not quotes. Final terms depend on the property, the borrower and the lender.
Good fit: business has been operating 2+ years; you occupy at least 51% of the building; you want a lower rate, longer term, or cash out of equity.
Not a fit: pure investment properties with no owner business (see Bridge or DSCR); loans under $1M.
How it works
- Tell us about the property and the business. 2) We send soft numbers for each path (bank, SBA, private). 3) You pick a path; we collect tax returns, financials and property info. 4) Appraisal, underwriting, close.
What we need for soft numbers
property type and value, loan amount, rough revenue and profit, time in business, credit range. No documents.
Common questions
- Can I take cash out of my building? Yes, many owners refinance to free up equity for equipment, expansion or paying off expensive debt.
- My bank wants a personal guarantee and full recourse. Are there options? Sometimes. Non-recourse or limited-recourse is more available on stronger, lower-leverage deals.
- I pay myself rent through a separate LLC. Is that a problem? No. Owner-operators with an operating company and a property company are common; lenders look at both.
Recent transactions
Owner-user bridgeClosed
Cutting $300K+ a year in debt costs for a California aerospace manufacturer
- Loan amount
- $2,750,000
- Property
- Industrial, owner-occupied
- Location
- California
Owner-occupied permanent loanClosed
How a wording problem got a Texas manufacturer declined, and how we fixed it
- Loan amount
- $500,000
- Property
- Manufacturing, owner-occupied
- Location
- Texas
Special situations
Existing MCA debtHow stacked MCAs affect approval, why lenders worry, and how to build the payoff into a longer-term loan.How it gets solvedAppraisal came in lowWhy lenders size loans off appraisals and cost basis instead of your number, how often it happens, and what to do about it.How it gets solvedTax returns show a lossWhy bank and SBA lenders decline on weak tax returns, and the asset-based and bridge-to-SBA alternatives.How it gets solvedIndustry gets declinedWhy some industries trip lender exclusions, how wording can cause a decline, and who still lends.How it gets solved
Related programs
SBA 504 LoansLong-term, fixed-rate financing for owner-occupied real estate and heavy equipment.View programSBA 7(a) LoansThe SBA's main loan program: long terms and lower down payments for buying a business, buying or refinancing owner-occupied real estate, equipment, working capital, and refinancing expensive debt.View programUSDA Business & Industry LoansA government-guaranteed loan for businesses in rural areas, which include many smaller towns and the edges of metro areas.View programSale-LeasebackSell your building to an investor and lease it back on a long-term lease.View programCash-Out RefinanceTurn equity in property you already own into cash for your business, another purchase, or paying off expensive debt like merchant cash advances.View program