Written & reviewed by Stephen A. Sobin, President of Select Commercial Funding LLC
Owner-Occupied
Business Loans
Owner-occupied property remains the strongest segment of the business real estate market. A business loan lets you purchase or renovate the store, office or warehouse your company operates from, so your monthly payments build your own equity instead of a landlord’s. Select Commercial arranges owner-occupied financing nationwide from $1,500,000, with SBA 504 and 7(a) programs offering high leverage and long terms.
Get a Free QuoteWhy Own the Property Your Business Uses
- Build equity: Purchasing your commercial property lets your monthly payments build your own equity instead of your landlord’s, creating a valuable asset and a more stable financial future for your business.
- Lower interest rates: Owner-occupied loans generally come with lower interest rates than other commercial property loans, because lenders view an owner who occupies the building as lower risk.
- More control over the property: Owning your property gives you greater control to customize the space, make improvements and adjust branding without a landlord’s approval.
SBA Loans for Owner-Occupied Property
SBA (Small Business Administration) loans are some of the best options for business owners financing owner-occupied property. The SBA sets loan guidelines and guarantees a portion of each loan, reducing lender risk and expanding financing options for small businesses nationwide. Select Commercial is uniquely qualified to help find the best SBA loan for you and your business.
Special-Purpose Businesses We Finance
Beyond standard offices, stores and warehouses, we actively finance owner-operated, single-purpose businesses. These properties are built around the business that runs them, which makes SBA 504 and 7(a) financing a natural fit. Property types we regularly fund include:
- Restaurants
- Gas stations
- Car washes
- Bowling alleys
- Campgrounds & RV parks
- Marinas
- Medical & dental practices
- Auto repair & service stations
- Health clubs & fitness centers
- Self-storage & mini-storage
- Franchises
- Other single-purpose properties
If you operate the business at the property, we can help you buy or refinance it. See today’s commercial mortgage rates or request a quote below.
What Our Clients Say
“I needed an SBA loan and found Select Commercial. It was obvious Stephen knew everything about commercial loans. If you are starting a small business, definitely give them a call.”
Larry S. · Washington, DC“I needed a business mortgage for my small business. Stephen helped me the entire way and was always accessible. I highly recommend them.”
Jonathan M. · Seattle, WA“I am a veterinarian who purchased an existing practice. I was surprised to find a company that offered 100% financing at a good rate, with great terms and rates for medical office financing.”
Carol K. · Chicago, IL“Select Commercial offered 100% financing for my medical practice when my bank would have required 20% down. They delivered something my bank could not, and handled everything professionally.”
John C. · Boston, MAGet a Free Business Loan Quote
No cost, no obligation. Written answers within 48 hours on owner-occupied and SBA loans from $1,500,000.
- No application or processing fees
- Written answers within 48 hours
- For 5+ unit and commercial properties, $1.5M and up