Financing solutions / Business & commercial
Business & Commercial
Complex doesn't necessarily mean impossible. Let's look at the entire picture.
Commercial and business-purpose financing conversations for property, acquisition, expansion, and operations. Requirements vary by program, lender and borrower profile — we'll confirm the specifics for your scenario.
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Program path
Commercial Real Estate
Good fit if…
The property is commercial or the transaction has a clear business-purpose use.
What is it?
Commercial real estate financing supports eligible income-producing or business-use properties under a commercial lending structure.
Who is it for?
Business owners and investors acquiring, refinancing, or improving commercial property.
Why would someone use it?
Someone may use it to align the property, operating plan, ownership structure, and financing term.
What should I know?
Property type, cash flow, tenancy, sponsorship, valuation, documentation, and lender requirements vary.
What is reviewed in commercial financing?
The property, cash flow, ownership, business plan, sponsorship, and repayment strategy are all relevant.
Is this available for every borrower?
Availability depends on the full scenario, lender, property, purpose, and applicable licensing requirements.
Program path
SBA Financing
Good fit if…
Your business purpose is clearly defined and you want to evaluate whether an SBA path belongs in the conversation.
What is it?
SBA financing uses an approved structure connected to Small Business Administration program rules and an eligible business purpose.
Who is it for?
Business owners exploring financing for acquisition, real estate, equipment, or growth.
Why would someone use it?
Someone may compare it when the business purpose and available SBA structure fit the broader plan.
What should I know?
Eligibility, use of proceeds, business performance, collateral, documentation, and lender review vary.
Does SBA financing cover every business need?
No. The business, purpose, structure, and applicable program requirements must be reviewed.
Is this available for every borrower?
Availability depends on the full scenario, lender, property, purpose, and applicable licensing requirements.
Program path
Business-Purpose Loans
Good fit if…
The use of funds is business-related and can be explained clearly.
What is it?
Business-purpose loans are financing structures used for a documented business or investment purpose rather than personal consumer use.
Who is it for?
Business owners, investors, and entities with a clearly defined commercial use of funds.
Why would someone use it?
Someone may use it to match the loan structure to the way the funds will be deployed and repaid.
What should I know?
Purpose, entity, collateral, documentation, and applicable consumer or commercial rules matter.
Why does purpose matter?
Purpose affects the structure, documentation, lender fit, and applicable requirements.
Is this available for every borrower?
Availability depends on the full scenario, lender, property, purpose, and applicable licensing requirements.
Program path
Owner-Occupied Commercial
Good fit if…
The business intends to occupy the property and the ownership plan is defined.
What is it?
Owner-occupied commercial financing supports a property where the borrower’s business will operate, subject to eligibility and lender review.
Who is it for?
Business owners acquiring or refinancing a property for their own company’s use.
Why would someone use it?
Someone may use it to connect the real estate decision with the business’s operating plan.
What should I know?
Business financials, occupancy, property, borrower strength, and repayment plan are all part of the conversation.
Can the business and property be reviewed together?
That is often the point of the conversation, but the specific structure depends on the scenario.
Is this available for every borrower?
Availability depends on the full scenario, lender, property, purpose, and applicable licensing requirements.
Program path
Investment Commercial Real Estate
Good fit if…
The property’s income and investment plan are central to the transaction.
What is it?
Investment commercial real estate financing supports eligible income-producing commercial property held for investment.
Who is it for?
Investors evaluating office, retail, industrial, mixed-use, or other commercial property.
Why would someone use it?
Someone may use it to structure financing around property cash flow, tenancy, value, and a long-term hold or exit.
What should I know?
Leases, occupancy, expenses, valuation, sponsorship, and market context are important to the review.
What is different from owner-occupied financing?
The property’s investment cash flow and tenancy often carry more weight in the structure.
Is this available for every borrower?
Availability depends on the full scenario, lender, property, purpose, and applicable licensing requirements.
Program path
Multifamily
Good fit if…
The property has multiple units and the operating plan can be documented.
What is it?
Multifamily financing supports eligible residential properties with multiple units under a lender-approved commercial or residential structure.
Who is it for?
Owners and investors evaluating a multifamily acquisition, refinance, or improvement plan.
Why would someone use it?
Someone may use it to match the financing conversation to unit count, operations, income, and property strategy.
What should I know?
Property size, occupancy, rent roll, condition, management, valuation, and lender criteria vary.
Is multifamily only a commercial category?
It can be approached through different structures; the property and intended use determine the path.
Is this available for every borrower?
Availability depends on the full scenario, lender, property, purpose, and applicable licensing requirements.
Program path
Other Commercial Financing Solutions
Good fit if…
Your transaction is commercial but the obvious labels do not describe it well.
What is it?
Other commercial financing solutions cover specialized business or property needs that do not fit neatly into one named category.
Who is it for?
Owners and investors with a real commercial need and a scenario that needs to be mapped before choosing a product.
Why would someone use it?
Someone may use it to explore an alternative structure around the asset, business, or timing.
What should I know?
A bespoke conversation does not remove lender review or program requirements; it makes the fact pattern more important.
What should I bring to the first conversation?
Bring the property, purpose, timing, ownership, and repayment story; the structure can follow.
Is this available for every borrower?
Availability depends on the full scenario, lender, property, purpose, and applicable licensing requirements.
Talk through the scenario
Let's look at what you are trying to make possible.
A useful first conversation can start with a goal, a property, a timeline, or a question. The right path comes after the full picture is understood.
LET'S LOOK AT YOUR SCENARIO