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Commercial Borrowers We Serve
OWNER-OCCUPIED PROFILE
Owner‑Operator Entrepreneur
You own and operate a business and want the stability of owning your building—without getting boxed in by rigid bank underwriting.
Best fit for: owner-occupied purchase • cash-out for growth • partner buyouts
What you’re optimizing for
- Predictable payments
- Ability to grow the business without moving
- Common-sense analysis of income and write-offs
- Fast close when a location matters
Where traditional financing breaks down
- Write-offs reduce taxable income and bank “qualifying” income
- Complex entity structures and distributions
- Banks require pristine, standardized statements
- Slow approvals that jeopardize leases or purchase contracts
Property types we often see
- Office buildings
- Medical office (owner practice)
- Warehouse / distribution
- Flex industrial
Typical loan use cases
- Purchase an owner-occupied building
- Cash-out refinance for expansion
- Buy out a partner or restructure ownership
Recommended loan products
Recommended loan products for this borrower profile:
- Owner‑Occupied Commercial Mortgage — Longer-term stability with underwriting that reflects real operating cash flow—not just tax-return optics.
- Owner‑Occupied Cash‑Out Refinance — Access equity to expand operations, hire, or invest in equipment while keeping the property in place.
- Bridge to Owner‑Occupied Term Loan — Close fast when timing matters, then transition to longer-term debt once documentation is complete.
Product fit map
This page is built to convert: it clarifies fit, addresses objections, and points to the right structure.
- Fast alignment on structure
- Clear underwriting signals
- Defined exit strategy
Strong fit indicators
- Stable operating history or strong contracts/pipeline
- Clear occupancy plan and use of space
- Reasonable leverage and reserves
- Clean title and straightforward collateral
Next steps
If this profile matches your transaction, the fastest path is to share a short deal summary:
- Property address + asset type
- Purchase price / current debt + requested loan amount
- In-place NOI / rent roll (or business financials for owner-occupied)
- Business plan: capex, leasing, timeline, exit