Owner-Occupied Financing
Owner-Occupied Commercial Real Estate Loans
Owner-occupied commercial loans provide financing for businesses purchasing or refinancing the commercial property they operate from. Whether through SBA programs, conventional bank financing, or credit union balance-sheet loans, these facilities allow business owners to build equity in their operating real estate rather than paying rent. Commercial Lending Solutions sources owner-occupied financing for office, retail, industrial, medical, and mixed-use properties from $1 million and up.
Apply for Owner-Occupied Financing →Key Features
Owner-Occupied Commercial Loans at a Glance
Loan Amount
$1M - $20M
Term
10 - 25 Years
Rates
5.50% - 8.50%
Ltv
Up to 90% (SBA) or 75% (Conventional)
Qualification
Business Cash Flow and Owner Income
Recourse
Full Recourse with Personal Guarantee
Overview
Commercial Real Estate Loans for Business Owner-Operators
Owner-occupied commercial real estate financing is fundamentally different from investment property lending because the primary repayment source is the business itself, not property rental income. This means lenders evaluate global cash flow: the business earnings and personal income of the owner-operator, not just the property DSCR. SBA programs are the most popular execution for owner-occupied commercial because they allow up to 90 percent financing with below-market rates and long amortization. Conventional bank and credit union programs are the alternative for borrowers who exceed SBA size standards, have stronger financials, or need larger loan sizes than SBA maximum limits.
Lender Sources
- SBA-Approved Banks (504 and 7(a))
- Certified Development Companies (CDCs)
- Conventional Commercial Banks
- Credit Unions
- Community Development Financial Institutions (CDFIs)
Ideal For
- Medical, dental, and veterinary practices purchasing clinic space
- Law firms, accounting firms, and professional services buying office buildings
- Manufacturers and distributors acquiring owner-user industrial facilities
- Restaurants and retailers purchasing their operating location
- Auto repair, car wash, and service businesses buying commercial property
- Childcare centers, gyms, and wellness operators purchasing their facilities
Owner-Occupied Commercial Loans by City
Los Angeles, CA
Owner-Occupied Loans
New York, NY
Owner-Occupied Loans
Phoenix, AZ
Owner-Occupied Loans
Dallas, TX
Owner-Occupied Loans
Houston, TX
Owner-Occupied Loans
Miami, FL
Owner-Occupied Loans
Atlanta, GA
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Chicago, IL
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Denver, CO
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Seattle, WA
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San Diego, CA
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San Francisco, CA
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Austin, TX
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Nashville, TN
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Tampa, FL
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Charlotte, NC
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Minneapolis, MN
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Portland, OR
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Las Vegas, NV
Owner-Occupied Loans
Orlando, FL
Owner-Occupied Loans
Raleigh, NC
Owner-Occupied Loans
Salt Lake City, UT
Owner-Occupied Loans
San Antonio, TX
Owner-Occupied Loans
Kansas City, MO
Owner-Occupied Loans
Columbus, OH
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Indianapolis, IN
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San Jose, CA
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Philadelphia, PA
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Washington DC, DC
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Detroit, MI
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Boston, MA
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Baltimore, MD
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Sacramento, CA
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St. Louis, MO
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Pittsburgh, PA
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Cincinnati, OH
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Cleveland, OH
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Jacksonville, FL
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Milwaukee, WI
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Memphis, TN
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Oklahoma City, OK
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Louisville, KY
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Richmond, VA
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Virginia Beach, VA
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New Orleans, LA
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Birmingham, AL
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Hartford, CT
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Tucson, AZ
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Boise, ID
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Omaha, NE
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Tulsa, OK
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Honolulu, HI
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Albuquerque, NM
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El Paso, TX
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Riverside, CA
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Charleston, SC
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Knoxville, TN
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Fort Worth, TX
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Savannah, GA
Owner-Occupied Loans
Fort Lauderdale, FL
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West Palm Beach, FL
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Durham, NC
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Colorado Springs, CO
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Huntsville, AL
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Provo, UT
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Boulder, CO
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Reno, NV
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Ann Arbor, MI
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Madison, WI
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Des Moines, IA
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Lexington, KY
Owner-Occupied Loans
Providence, RI
Owner-Occupied Loans
Buffalo, NY
Owner-Occupied Loans
Rochester, NY
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Grand Rapids, MI
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Fresno, CA
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Worcester, MA
Owner-Occupied Loans
Stamford, CT
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Bridgeport, CT
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New Haven, CT
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Bakersfield, CA
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Oxnard-Ventura, CA
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Allentown, PA
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Baton Rouge, LA
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Dayton, OH
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McAllen, TX
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Stockton, CA
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Columbia, SC
Owner-Occupied Loans
Greensboro, NC
Owner-Occupied Loans
Akron, OH
Owner-Occupied Loans
Sarasota, FL
Owner-Occupied Loans
Fort Myers, FL
Owner-Occupied Loans
Little Rock, AR
Owner-Occupied Loans
Wichita, KS
Owner-Occupied Loans
Lakeland, FL
Owner-Occupied Loans
Ogden, UT
Owner-Occupied Loans
Winston-Salem, NC
Owner-Occupied Loans
Augusta, GA
Owner-Occupied Loans
Spokane, WA
Owner-Occupied Loans
Syracuse, NY
Owner-Occupied Loans
Toledo, OH
Owner-Occupied Loans
Lancaster, PA
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Chattanooga, TN
Owner-Occupied Loans
Scranton, PA
Owner-Occupied Loans
Harrisburg, PA
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Asheville, NC
Owner-Occupied Loans
Pensacola, FL
Owner-Occupied Loans
Jackson, MS
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Shreveport, LA
Owner-Occupied Loans
Greenville, SC
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Fayetteville, NC
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Myrtle Beach, SC
Owner-Occupied Loans
Wilmington, NC
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Montgomery, AL
Owner-Occupied Loans
Roanoke, VA
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Charlottesville, VA
Owner-Occupied Loans
Fredericksburg, VA
Owner-Occupied Loans
Manchester, NH
Owner-Occupied Loans
Portland, ME
Owner-Occupied Loans
Burlington, VT
Owner-Occupied Loans
Springfield, MA
Owner-Occupied Loans
Cape Coral, FL
Owner-Occupied Loans
Daytona Beach, FL
Owner-Occupied Loans
Columbia, MO
Owner-Occupied Loans
Springfield, MO
Owner-Occupied Loans
Sioux Falls, SD
Owner-Occupied Loans
Fargo, ND
Owner-Occupied Loans
Lincoln, NE
Owner-Occupied Loans
Cedar Rapids, IA
Owner-Occupied Loans
Peoria, IL
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Fort Wayne, IN
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South Bend, IN
Owner-Occupied Loans
Evansville, IN
Owner-Occupied Loans
Youngstown, OH
Owner-Occupied Loans
Canton, OH
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Flint, MI
Owner-Occupied Loans
Kalamazoo, MI
Owner-Occupied Loans
Lansing, MI
Owner-Occupied Loans
Duluth, MN
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Rochester, MN
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Green Bay, WI
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Appleton, WI
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Wausau, WI
Owner-Occupied Loans
Eau Claire, WI
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Champaign-Urbana, IL
Owner-Occupied Loans
Davenport, IA
Owner-Occupied Loans
Waterloo, IA
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Sioux City, IA
Owner-Occupied Loans
Topeka, KS
Owner-Occupied Loans
Lubbock, TX
Owner-Occupied Loans
Midland, TX
Owner-Occupied Loans
Abilene, TX
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Tyler, TX
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Waco, TX
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Beaumont, TX
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Corpus Christi, TX
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Killeen, TX
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Round Rock, TX
Owner-Occupied Loans
Brownsville, TX
Owner-Occupied Loans
Laredo, TX
Owner-Occupied Loans
Flagstaff, AZ
Owner-Occupied Loans
Yuma, AZ
Owner-Occupied Loans
Santa Barbara, CA
Owner-Occupied Loans
San Luis Obispo, CA
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Santa Cruz, CA
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Palm Springs, CA
Owner-Occupied Loans
Visalia, CA
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Salinas, CA
Owner-Occupied Loans
Chico, CA
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Redding, CA
Owner-Occupied Loans
Victorville, CA
Owner-Occupied Loans
Temecula, CA
Owner-Occupied Loans
Modesto, CA
Owner-Occupied Loans
Missoula, MT
Owner-Occupied Loans
Billings, MT
Owner-Occupied Loans
Great Falls, MT
Owner-Occupied Loans
Helena, MT
Owner-Occupied Loans
Bozeman, MT
Owner-Occupied Loans
Idaho Falls, ID
Owner-Occupied Loans
Pocatello, ID
Owner-Occupied Loans
Twin Falls, ID
Owner-Occupied Loans
Casper, WY
Owner-Occupied Loans
Bismarck, ND
Owner-Occupied Loans
Minot, ND
Owner-Occupied Loans
Rapid City, SD
Owner-Occupied Loans
Macon, GA
Owner-Occupied Loans
Columbus, GA
Owner-Occupied Loans
Florence, AL
Owner-Occupied Loans
Dothan, AL
Owner-Occupied Loans
Gulfport, MS
Owner-Occupied Loans
Hattiesburg, MS
Owner-Occupied Loans
Fredericksburg, TX
Owner-Occupied Loans
Lynchburg, VA
Owner-Occupied Loans
Hagerstown, MD
Owner-Occupied Loans
Salisbury, MD
Owner-Occupied Loans
Trenton, NJ
Owner-Occupied Loans
Atlantic City, NJ
Owner-Occupied Loans
Reading, PA
Owner-Occupied Loans
York, PA
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Erie, PA
Owner-Occupied Loans
State College, PA
Owner-Occupied Loans
Charleston, WV
Owner-Occupied Loans
Huntington, WV
Owner-Occupied Loans
Wheeling, WV
Owner-Occupied Loans
Manchester, TN
Owner-Occupied Loans
Clarksville, TN
Owner-Occupied Loans
Johnson City, TN
Owner-Occupied Loans
Bowling Green, KY
Owner-Occupied Loans
Owensboro, KY
Owner-Occupied Loans
Paducah, KY
Owner-Occupied Loans
Florence, SC
Owner-Occupied Loans
Hilton Head Island, SC
Owner-Occupied Loans
Wilmington, DE
Owner-Occupied Loans
Dover, DE
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Manchester, CT
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Bangor, ME
Owner-Occupied Loans
Albany, NY
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Binghamton, NY
Owner-Occupied Loans
Poughkeepsie, NY
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Utica, NY
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Lowell, MA
Owner-Occupied Loans
Springfield, IL
Owner-Occupied Loans
Decatur, IL
Owner-Occupied Loans
Bloomington, IL
Owner-Occupied Loans
Joliet, IL
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Elgin, IL
Owner-Occupied Loans
Waukegan, IL
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Rockford, IL
Owner-Occupied Loans
La Crosse, WI
Owner-Occupied Loans
Kenosha, WI
Owner-Occupied Loans
Racine, WI
Owner-Occupied Loans
Yakima, WA
Owner-Occupied Loans
Kennewick, WA
Owner-Occupied Loans
Bellingham, WA
Owner-Occupied Loans
Olympia, WA
Owner-Occupied Loans
Tacoma, WA
Owner-Occupied Loans
Eugene, OR
Owner-Occupied Loans
Medford, OR
Owner-Occupied Loans
Astoria, OR
Owner-Occupied Loans
Newark, NJ
Owner-Occupied Loans
Jersey City, NJ
Owner-Occupied Loans
Related Property Types
Owner-Occupied Commercial Loans are available for all major commercial property types. Explore financing by property category.
Multifamily
Financing programs
Industrial
Financing programs
Retail
Financing programs
Office
Financing programs
Mixed-Use
Financing programs
Hospitality
Financing programs
Self-Storage
Financing programs
Data Centers
Financing programs
Senior Living
Financing programs
Medical Office
Financing programs
Manufactured Housing
Financing programs
Parking
Financing programs
FAQ
Owner-Occupied Commercial Loans FAQ
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