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Commercial Real Estate Purchase Loan: Owner-Occupied

Investor Focus

Purchasing a building for your own business operations is the most strategic financial decision an owner can make. It transforms rent payments into equity and locks in predictable occupancy costs. 


Key Program Feature

Why Buy Your Own CRE?    


Wealth Building:    

Your monthly payments build equity, creating a valuable asset for your business's balance sheet and providing a path to personal wealth.     


Tax Advantages:   

Benefit from interest and depreciation deductions not available when leasing.          


Cost Control:    

Swap escalating lease payments for a stable, long-term mortgage payment, insulating your business from market rent fluctuations.      



Our Advisory Advantage: Owner-Occupied Purchase

For business owners, we act as financial advisors first, analyzing whether an Owner-Occupied purchase is truly the best long-term wealth strategy. When it is, we focus on maximizing the government-backed benefits.

  • SBA Specialization: We specialize in the SBA 504 and 7(a) programs, utilizing our deep banking expertise to secure the highest leverage (10% down) and longest terms (up to 25 years).
  • Capital Preservation: Our primary goal is minimizing your cash injection, ensuring your working capital remains in the business where it can generate maximum returns.
  • Long-Term Stability: We structure the deal to fix your occupancy costs for decades, protecting your business from the unpredictability and rising costs of commercial leasing.

Ready to Build Business Wealth?

   Move from being a tenant to being an owner. Speak with a BCF Advisor today to learn how SBA programs can turn your rent payments into business equity. 

Start Your Confidential Application

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