Cash-Out Refinance for Commercial Property: How It Works
Unlock equity for business capital without selling. LTV limits, qualification, timeline, and when refinance makes sense.
Read moreCommercial Real Estate Loans: Own Your Building, Build Long-Term Equity
Commercial real estate loans for owner-occupied property -$10,000 to $10,000,000+. SBA 504, SBA 7(a), and conventional options. Stop paying rent and invest in your business's future. One application, multiple lenders. Apply today.
- 10-20% down with SBA programs
- Office, retail, industrial, medical, mixed-use
- Purchase, refinance, or improve your property
- One application -we match you with the right lender
Commercial Real Estate Loans at a Glance
$10M+
Max amount
10-20%
Down (SBA)
20-25 yr
Amortization
SBA 504 / 7a
Low down options
660+
Credit (SBA)
Why Own Instead of Rent? Commercial Real Estate Loans Put You in Control
If you're tired of rent increases, lease terms that limit your growth, or watching your landlord build equity with your payments, a commercial real estate loan can change the equation. Owning your office, retail space, medical building, or industrial facility gives you long-term cost control, builds equity, and often improves your business's balance sheet. Whether you're a medical practice, restaurant, manufacturer, or professional services firm, owning the property where you operate is one of the most impactful decisions you can make.
Commercial real estate (CRE) loans for owner-occupied property are designed for businesses that will use at least 51% of the space for their own operations. That owner-occupancy requirement unlocks SBA 504 and SBA 7(a) programs, which offer down payments as low as 10-20% -far below the 25-30% often required for investment property. Axiant Partners connects business owners in all 50 states with lenders who specialize in owner-occupied CRE. We evaluate your financial profile, property scenario, and goals, then match you with SBA or conventional options that fit.
One application goes to multiple lender partners. We coordinate documentation, compare offers, and guide you through to closing. Apply now to see what you qualify for.
Types of Commercial Property We Finance
Commercial real estate loans support a wide range of owner-occupied property types. If your business occupies the space, you may qualify for SBA or conventional financing. Here are the most common uses:
Office Buildings
Professional services firms, corporate offices, and administrative spaces. Whether you're a law firm, accounting practice, or technology company, owning your office locks in occupancy costs and builds equity. SBA 504 and conventional programs both support office acquisitions.
Retail & Storefronts
Restaurants, shops, showrooms, and consumer-facing businesses. Retail property loans often consider foot traffic, lease structure (if you lease out a portion), and business cash flow. Restaurant financing and retail CRE are common use cases.
Industrial & Warehouses
Manufacturing facilities, distribution centers, and warehouses. Industrial property financing supports manufacturing businesses and logistics operations that need to own their production or storage space.
Medical & Healthcare
Medical offices, dental practices, veterinary clinics, and outpatient facilities. Healthcare practices often use CRE loans to own their building, improving long-term cost control and practice value.
Mixed-Use
Buildings with retail, office, and sometimes residential components. If your business occupies 51%+ of the space, owner-occupied programs may apply. Mixed-use can require additional underwriting; we help structure the right approach.
Refinance & Property Improvement
Refinance existing CRE debt to lower rates, extend terms, or pull out equity for business use. Cash-out refinance can fund expansion, equipment, or working capital while you keep the property.
Typical Loan Amounts by Property Type & Business
Commercial real estate loan amounts depend on property value, cash flow, down payment, and program. Here are representative ranges we see for owner-occupied CRE:
- Office & professional services -$150,000 to $2,000,000+ for small offices to multi-story buildings
- Restaurants and hospitality -$200,000 to $1,500,000 for standalone buildings, strip-center units, and freestanding locations
- Medical and dental practices -$250,000 to $2,000,000+ for single- and multi-provider offices
- Manufacturing and industrial -$300,000 to $5,000,000+ for production facilities and warehouses
- Retail and retail-adjacent -$150,000 to $1,500,000 for storefronts, showrooms, and service businesses
- Contractors and construction -$200,000 to $1,000,000+ for yard space, offices, and equipment storage
Your actual amount depends on debt service coverage ratio (DSCR), credit, property condition, and lender. Use our financing calculator to estimate monthly payments.
Why Businesses Choose Commercial Real Estate Loans
Owning your property instead of renting offers advantages that extend far beyond monthly payments. Here's why business owners nationwide are making the move:
Speed to Closing
While SBA 504 and 7(a) typically close in 45-90 days, we coordinate documentation and lender communication to keep your deal moving. Conventional deals can often close in 30-60 days. We know what lenders need and prepare your package accordingly.
CRE Expertise
We specialize in owner-occupied commercial real estate. We understand SBA 504 vs 7(a) vs conventional, down payment requirements, DSCR, and property types. We match you with lenders who know your industry and property type.
Multiple Program Options
SBA 504, SBA 7(a), and conventional -each has different down payment, rate, and term profiles. We compare options so you choose the structure that fits your capital and goals. One application, multiple paths.
Personal Service Through Closing
From initial application to closing, we coordinate documentation, answer questions, and keep you informed. CRE deals involve appraisals, environmental reviews, and title -we help you navigate each step.
Types of Commercial Real Estate Financing
We connect you with lenders who offer SBA and conventional commercial real estate programs. The right choice depends on your down payment capacity, timeline, and property type.
SBA 504 Loan (Popular for Owner-Occupied Property)
The SBA 504 program is built for owner-occupied commercial real estate. Typical structure: first mortgage from a bank (typically 50% of project cost), SBA-guaranteed debenture (up to 40%), and borrower equity (10-20%). You get long-term fixed rates on the 504 portion, lower down payment than many conventional options, and amortization to 20-25 years. Best when you want to conserve capital and lock in predictable payments. See SBA 504 details.
SBA 7(a) Real Estate Loan
SBA 7(a) can be used for commercial real estate acquisition, refinance, or renovation. Often used when you need flexible use of proceeds -e.g., combine property purchase with working capital or equipment. Down payment typically 10-20%+. Terms to 25 years for real estate. Process similar to 7(a) for other uses; we match you with 7(a) lenders experienced in CRE.
Conventional Commercial Mortgage
Banks and non-bank lenders offer conventional CRE mortgages for owner-occupied property. Typically 20-30% down, strong credit (680+), and solid debt service coverage. May offer faster closing than SBA and competitive rates for qualified borrowers. Best when you have the equity and want a straightforward process.
When to Use Each Program
Choose SBA 504 When
You want to minimize down payment (10-20%), need long-term fixed rates, and your business will occupy 51%+ of the property. Ideal for office, retail, medical, industrial, and mixed-use owner-occupied buildings.
Choose SBA 7(a) When
You need flexible use of proceeds -e.g., property plus renovation, equipment, or working capital in one loan. Also suits smaller deals and certain refinance scenarios where 7(a) structure fits better than 504.
Choose Conventional When
You have 20-30% down, strong credit and DSCR, and want a potentially faster closing. Conventional can work well for established businesses with strong financials who prefer non-SBA structures.
Down Payment Requirements: SBA vs Conventional
| Program | Typical Down Payment |
|---|---|
| SBA 504 | 10% to 20% |
| SBA 7(a) | 10% to 20%+ |
| Conventional | 20% to 30% |
Down payment varies by credit, property type, occupancy, and lender. How much down payment is required? -read our guide.
What Do Lenders Look For?
CRE lenders evaluate both your business and the property. Key factors:
- Revenue stability -Consistent income supports debt service. Two+ years of financials are typical.
- Debt Service Coverage Ratio (DSCR) -Net operating income divided by annual debt service. Many lenders prefer 1.25x or higher.
- Credit profile -Business and personal credit. SBA often works with 660+ FICO; conventional typically prefers 680+.
- Down payment / equity -Your contribution shows commitment and reduces lender risk.
- Property condition and occupancy -Appraisal, environmental, and title review are standard.
How the Commercial Real Estate Loan Process Works
Axiant Partners guides you from application to closing. Here's the typical flow:
01
Share Your Property & Business
Tell us about the property (or properties you're considering), your business, revenue, and how you'll use the space. One application goes to multiple lender partners. The more detail you provide, the better we can match you.
02
Provide Documentation
We'll request business financials, tax returns, rent rolls (if applicable), and property information. SBA and conventional programs have specific requirements -we'll outline exactly what's needed and when.
03
Review Offers & Select Lender
We match your profile to suitable lenders and present offers. Compare down payment, rate, term, and structure. SBA 504 and 7(a) often take 45-90 days; conventional may move faster. We help you choose and move forward.
04
Close & Take Ownership
Appraisal, environmental, and title work complete. Closing documents signed. Funds disburse -you own your property and begin building equity. We're there through the final wire.
SBA CRE: typically 45-90 days. Conventional: often 30-60 days.
Commercial Real Estate for Medical Practices
Healthcare practices -medical, dental, veterinary -often outgrow leased space or want to lock in occupancy costs for the long term. Owning your medical office improves practice value, gives you control over buildout and expansion, and can reduce long-term overhead. SBA 504 is popular for medical CRE: 10-20% down, long-term fixed rates, and terms that align with practice economics.
Typical amounts range from $250,000 for small practices to $2,000,000+ for multi-provider offices. We work with medical practice financing lenders who understand healthcare operations and property needs. Apply now to explore medical CRE options.
Commercial Real Estate for Restaurants & Hospitality
Restaurants, bars, and hospitality businesses face rising rents and lease terms that limit flexibility. Owning your building -whether a freestanding location or a key unit in a development -stabilizes costs and builds equity. CRE loans for restaurants consider cash flow, concept strength, and property type. SBA 504 and 7(a) both support restaurant real estate with 10-20% down.
Typical amounts range from $200,000 for smaller locations to $1,500,000+ for larger establishments. Restaurant financing and CRE go hand in hand for owners ready to own. Apply now for restaurant CRE financing.
Industries We Serve
We work with businesses across many industries for owner-occupied commercial real estate:
- Medical Practices
- Restaurants
- Manufacturing
- Construction
- Logistics & Warehousing
- Auto Repair
- Trucking
- Agriculture
- Landscaping
- Forestry
Explore related financing: SBA Loans (504, 7a for owner-occupied) · Commercial Bridge Loans (short-term, 7-21 days) · All services
Why Choose Axiant Partners
We focus on owner-occupied commercial real estate and connecting you with the right lender.
- CRE specialization -We understand SBA 504, 7(a), and conventional CRE. We match you with programs that fit your down payment, timeline, and property type.
- Multiple lender relationships -SBA CDC partners, banks, and non-bank lenders. One application, multiple options.
- Documentation coordination -CRE deals require financials, appraisals, and more. We keep the process organized and moving.
- 50-state reach -We serve businesses anywhere in the U.S.
One application, multiple options, support through closing. Apply now to get started.
Commercial Real Estate Loan FAQs
What is a commercial real estate loan?
A commercial real estate (CRE) loan finances property used primarily for business operations -office, retail, industrial, medical, mixed-use. Owner-occupied CRE typically requires 51%+ occupancy by your business. Programs include SBA 504, SBA 7(a), and conventional mortgages. Owner-occupied vs investment -see the differences.
How much down payment is required?
SBA 504 and 7(a) often require 10-20% down. Conventional typically requires 20-30%. Down payment varies by credit, property type, DSCR, and lender. How much down payment -full guide.
How long does it take to close?
SBA 504 and 7(a) CRE often close in 45-90+ days. Conventional commercial mortgages may close in 30-60 days. Full documentation and clean applications speed the process. How long to close -details.
SBA 504 vs conventional -which is better?
SBA 504 offers lower down payment (10-20%), long-term fixed rates, and is built for owner-occupied property. Conventional may offer faster closing and competitive rates for strong borrowers with 20-30% down. We help you compare. SBA 504 vs conventional -key differences.
What credit score do I need?
SBA programs often work with 660+ FICO; conventional typically prefers 680+. Strong cash flow, DSCR, and stable revenue improve approval odds. Credit score for CRE -requirements.
Owner-occupied vs investment property?
Owner-occupied means your business uses 51%+ of the space. SBA 504 and 7(a) are designed for owner-occupied. Investment property is primarily leased to others and follows different guidelines -typically higher down payments. Owner-occupied vs investment -full comparison.
Relevant Articles
Explore our guides on commercial real estate financing, down payment, credit, and lender requirements.
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Read moreApply for a Commercial Real Estate Loan
Ready to own your building instead of rent? Our team can help you explore SBA 504, SBA 7(a), and conventional options for owner-occupied property. Submit an application today. We'll match you with lenders and guide you through the process from start to closing.