Commercial Real Estate Funding
Finance your owner-occupied commercial property with competitive 25-year terms at Prime + 2.75%. Whether you're purchasing your first business property or refinancing an existing one, we specialize in CRE loans for active operating businesses.
What is Owner-Occupied Commercial Real Estate?
Owner-occupied commercial real estate (CRE) loans are designed for business owners who will use the property for their own business operations. Unlike investment property loans, these loans are available to businesses that actively operate from the premises.
Key Requirements
Owner-Occupied Minimum
Your business must occupy at least 51% of the usable space in the property.
Active Operating Business
The business must produce a product or service—not be a passive real estate holding company.
Qualifying Business Types
Not Eligible
Real estate holding companies that only collect rental income without producing a product or service are not eligible for owner-occupied CRE financing.
Transparent Pricing & Terms
Our CRE loans feature competitive, straightforward pricing tied to the Prime rate.
Prime + 2.75%
Interest Rate
Current Prime Rate: ~8.5%
25 Years
Maximum Loan Term
Long-term stability for your business
1.25%
Broker Fee
At standard 2.75% spread pricing
Note: If your loan is structured with a spread lower than 2.75%, the Broker Fee is reduced to 1.00%.
What Can CRE Funding Be Used For?
Our commercial real estate funding supports various business property needs.
Property Acquisition
Purchase commercial property for your business operations. Own your space instead of paying rent, building equity over time.
Refinancing
Refinance your existing commercial property to secure better rates, lower monthly payments, or access equity for business growth.
Expansion
Acquire additional properties as your business grows. Consolidate operations or open new locations with dedicated funding.
Ready to Finance Your Commercial Property?
Our CRE specialists can guide you through the process and help determine if your property and business qualify.