Build equity in your business with owner-occupied commercial financing. High leverage options, long-term fixed rates, and expert guidance from CBRE's preferred SBA capital partners.
Get a QuoteThree financing solutions designed for owner-occupied properties
Traditional owner-occupied financing
Low down payment with fixed rates
Maximum flexibility and leverage
Side-by-side comparison of owner-user financing options
| Program Feature | Owner-User | SBA 504 | SBA 7(a) |
|---|---|---|---|
| Loan Amount | Varies by program | Min $1M – Max $30M | Min $1M – Max $5M |
| Down Payment | 25% | 10% | 10-15% |
| Interest Rate | Fixed and variable options | Fixed rate | Fixed and variable options |
| Real Estate Term | 15–25 years | 25 years or 20 years | Up to 25 years |
| Property Types | Office, retail, industrial | ffice, retail, industrial, hospitality | Office, retail, industrial, hospitality |
| Owner Occupancy Requirement | Flexible | 51% existing / 60% new construction | 51% existing / 61% new construction |
| Proceeds Use | Purchase or refinance | Purchase, refinance, expansion, construction | Purchase, refinance, expansion, construction, working capital |
| Personal Guarantee | Required | Required | Required |
| Closing Timeline | 45–60 days | 60–90 days | 60–90 days |
| Best For | Established businesses with strong credit | Low down payment, long-term fixed rate RE financing | Maximum flexibility, working capital needs |
Build equity in the property that powers your business
* Hospitality properties available through SBA 504 and SBA 7(a) programs
Advantages of owner-occupied commercial financing
Competitive LTV options to preserve working capital for your business
Stop paying rent and start building equity in your own facility
Predictable payments with long-term fixed rate financing
CBRE's market expertise and preferred capital partner relationships
Tell us about your property and business. An owner-user financing expert will contact you within 24 hours.
No obligation. Your information is confidential and will only be used to provide your custom quote.
Explore our complete suite of lending programs including multifamily express, bridge financing, and commercial express
View All ProgramsWhen you work with CBRE, you partner with the world's largest commercial real estate services firm. Our expertise in owner-occupied financing, combined with our strong relationships with preferred capital partners including SBA lenders, enables us to deliver competitive terms and reliable execution.
We understand the unique needs of businesses investing in their own facilities. From initial consultation through closing, our team provides expert guidance to help you secure the right financing solution for your owner-occupied property.