Owner-occupied & SBA financing review
The building and the operating business are one credit story.
Owner-occupied financing is evaluated through both the real estate and the business expected to support the debt. Eligibility and structure depend on the complete borrower profile.
Is this your situation?
Start with the reason the financing is needed.
Interactive financing snapshot
Put the first numbers on the table.
These estimates are for planning only. They are not a quote, approval, commitment, or representation of available lender terms.
Estimates exclude taxes, insurance, reserves, legal costs, third-party reports, and other transaction expenses unless expressly shown.
Estimated loan request
$3,400,000
Contribution
15.0%
Owner occupancy
75.0%
Cash-flow coverage
1.66×
How a lender sees it
The numbers are only the beginning.
How the borrower will use the property, related entities, affiliate considerations, and program rules.
Document readiness
Build a cleaner first package.
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Other financing paths
Refinance
Restructure maturing debt, improve cash flow, or find a new path when the current lender cannot extend.
Explore 02Acquisition
Finance a time-sensitive purchase with a structure built around the property, borrower, and business plan.
Explore 03Construction & renovation
Fund expansion, repositioning, deferred maintenance, or ground-up work with a realistic draw plan.
ExploreSelected scenario · Business property purchase
Turn the snapshot into a real lender conversation.
Financing guides