Stop making your landlord rich. Own the building.
Every rent check builds someone else's equity. We help business owners explore financing for the property their business occupies, from a first purchase to a refinance or a second building.
Who this is for
Business owners who occupy most of the space: medical, dental, and veterinary practices, professional offices, contractors, shops, light industrial and flex space, and similar small and mid-size commercial buildings. Many of our clients own more than one building, and many also invest in other property.
Situations we work on
Buying the space you lease now. Move from tenant to owner.
Buying a different building. Relocating or expanding into space that fits the business.
Refinancing a building you own. Review the current loan in light of where the business and the property are today.
Buying more than one property. Owner-occupied space alongside rentals or additional buildings.
Improving or building. Renovations or a new building for your business.
How the financing is reviewed
Owner-occupied loans can be reviewed on your full financial documentation. When the property produces income, such as a partly leased building, the property's cash flow may also be part of the picture. We help you work out which approach fits and what each would require.
Questions to bring to the first call
- What does the business need from the building now, and in five years?
- How much cash can go into the purchase while the business keeps what it needs to operate?
- What is the lease situation, and when does it end?
- Is there other debt we should include in the review?
You do not need answers to all of these.
Common questions
Do I need to know which loan I want?
No. Start with the property and your goal. We narrow the options with you.
Can I finance more than one building?
Often, yes. Tell us what you are considering and how the buildings fit together.
Is the call a loan approval?
No. It is a conversation about options and requirements. Terms depend on the property, your financial profile, and lender review.
Go deeper: the book
Un-lease Your Business by Paul Neal explains why buying the building your business operates from can build wealth and control, and how to approach it.
Paul wrote it from the borrower's side of the table, after building, losing, and rebuilding businesses of his own.
Read about Un-lease Your Business