Commercial real estate
Own the building you work in.
Buy, refinance or build the property your business operates from. Owner-occupied loans, including SBA 504 and 7(a), can come with lower down payments and long terms.
Check my options →Buying your building
Stop paying rent and build equity in the property.
Construction
Ground-up builds and major renovations.
Refinancing
Replace a balloon or high-rate mortgage.
Typical terms
- Programs
- SBA 504, SBA 7(a), conventional
- Down payment
- Can be as low as 10% for owner-occupied SBA loans
- Term
- Up to 25 years on SBA programs
- Occupancy
- SBA requires the business to occupy most of the property
General market ranges, not an offer. The lender sets final terms.
What you'll need
- ✓Property address and purchase price or appraisal
- ✓Business tax returns for the last 3 years
- ✓Personal financial statement
Common questions
What's the difference between SBA 504 and 7(a) for real estate?+
504 splits the loan between a bank and a development company and often has a fixed rate. 7(a) is more flexible and can bundle the property with a business purchase.
Can I buy a property I'll partly lease out?+
Yes, within limits. SBA programs require your business to occupy at least 51% of an existing building.
Can I buy the business and the building together?+
Often, yes. A 7(a) loan can cover both in one transaction.
Ready to see your options?
Get funded →