Finance Your Own Space—Build Equity While You Grow Your Business

Why lease when you can own? Owner-user commercial loans are designed specifically for businesses looking to purchase or refinance property they will occupy. Whether you're buying your first building, expanding into a larger facility, or refinancing to improve cash flow, owning your space can be a smart move that adds long-term value to your business.

What is an Owner-User Loan?

An owner-user loan is a commercial mortgage used to purchase property where the borrower will occupy at least 51% of the space. These loans are ideal for a wide range of industries—medical practices, retail stores, manufacturers, professional offices, and more.

Key Benefits

• ✅ Build Equity – Instead of paying rent, you’re investing in a long-term asset.

• ✅ Stable Monthly Payments – Lock in your rate and gain predictability in your budget.

• ✅ Tax Advantages – Enjoy potential deductions on mortgage interest, property taxes, and depreciation.

• ✅ Custom Control – Design and modify your space to fit your business’s exact needs.

• ✅ SBA 504 & 7(a) Options Available – Access government-backed loans with lower down payments and longer terms.

Types of Properties We Finance

• Office buildings

• Warehouses and industrial space

• Medical and dental offices

• Retail storefronts

• Flex-use properties

• And more

Who Qualifies?

If your business is financially stable and you plan to occupy at least 51% of the building, you're likely eligible. SBA-backed loans are especially attractive for small to mid-sized businesses that may not have large amounts of capital for down payments.

Let’s Talk About Ownership

Ready to stop renting and start building equity? We’ll walk you through the best financing options for your unique business needs. From SBA programs to conventional commercial loans, we’re here to help you take control of your future.

Connect with a commercial lending expert today and explore your path to ownership.