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Commercial Real Estate

Financing strategies for owner-occupied business property.

Commercial real estate financing can support the purchase, refinance, or improvement of property used by the operating business. Structure depends on property type, occupancy, financial performance, leverage, and lender requirements.

How it fits

When commercial real estate may make sense

Commercial real estate financing can support the purchase, refinance, or improvement of property used by the operating business. Structure depends on property type, occupancy, financial performance, leverage, and lender requirements.

Common uses

Property acquisition
Owner-occupied buildings
Expansion property
Eligible refinance
Build-out financing
Major improvements

What underwriting usually considers

Depending on the product, an underwriter may review business revenue, profitability, cash flow, time in business, industry, ownership, credit history, existing debt, intended use of proceeds, and any required collateral or guarantees.

Why structure matters

The lowest payment is not always the best structure, and the fastest approval is not always the best capital. The right financing should account for how the capital will be used, when the business expects a return from that use, and what repayment the company can reasonably support.

Important: Real estate financing may require appraisals, environmental reviews, equity contribution, and additional diligence.

Ready to explore your capital options?

Start with a short business profile. We’ll use it to identify realistic financing paths.