Stop Paying Rent.
Buy the Building Your Business Operates In.
Owner-occupied CRE loans let you purchase the property your business uses — with as little as 10% down through SBA programs. Compare SBA 504, 7(a), and conventional options.
Which Owner-Occupied Loan Is Right for You?
Three structures cover most owner-occupied purchases. The best fit depends on your down payment, timeline, and property type.
Best for established businesses (2+ years) buying an existing building. Fixed rate for the life of the loan.
More flexible — can include working capital, equipment, and real estate in one loan.
Fewer restrictions. Faster approval. Better for borrowers with strong financials.
Why Business Owners Stop Renting and Buy
Owning the property your business operates in is one of the most effective ways to build long-term wealth.
Build Equity Instead of Paying Rent
Every mortgage payment builds equity in an asset you own. Rent payments disappear forever.
Lock In Your Occupancy Cost
A fixed-rate loan gives you a predictable payment for 20–25 years. No landlord rent increases.
Potential Rental Income
Occupy 51%+ and lease the rest. Rental income offsets your mortgage payment.
Tax Advantages
Interest and depreciation are generally deductible. Consult your CPA for specifics.
What Properties Qualify
Most commercial property types qualify as long as your business occupies 51%+.
Do You Qualify?
How It Works
Identify the Property
Share the address, asking price, and your business’s space needs. We assess lender fit before you go under contract.
Submit to BestLoanUSA
Complete our single application. No hard credit pull at this stage.
Advisor Review
Dedicated advisor identifies whether SBA 504, 7(a), or conventional financing is the best fit and which lenders are most likely to approve.
Lender Matching
We submit to matched lenders and return competing term sheets.
Documentation & Underwriting
2 years tax returns, YTD P&L, bank statements, purchase contract, and property appraisal.
Close & Take Ownership
Conventional: 30–45 days. SBA 7(a): 45–60 days. SBA 504: 60–90 days.
Ready to Own Your Building?
No credit pull. No obligation. See what financing is available for your property.
Frequently Asked Questions
An owner-occupied CRE loan finances a property where your business occupies at least 51% of the space. SBA 504 and 7(a) are the most common programs.
SBA 504: 10% for existing buildings. SBA 7(a): 10–20%. Conventional: 20–30%.
504 offers a fixed rate and terms up to 25 years but takes longer (60–90 days). 7(a) is more flexible and can include working capital but has a $5M cap and variable rates.
Yes. As long as your business occupies 51%+, you can lease the remaining space to tenants.
Conventional: 30–45 days. SBA 7(a): 45–60 days. SBA 504: 60–90 days.
For SBA 504, yes. SBA 7(a) and conventional may work with newer businesses depending on strength of the deal.
