Owner-Occupied Commercial Loans — SBA & Conventional Financing Nationwide
Blue Fox Capital offers owner-occupied commercial real estate financing through both SBA and conventional loan programs. Whether you’re purchasing, refinancing, or expanding your business property, we structure loans tailored to owner-users who occupy 51% or more of the space.
Loan Highlights
- LTV: Up to 90% (SBA) / Up to 80% (Conventional)
- Loan Amounts: $250K – $15M+
- Loan Terms: 10–25 years (SBA 504) / 5–25 years (Conventional)
- Rates: Competitive fixed and variable options
- Down Payment: As low as 10% (SBA programs)
- Property Types: Office, Retail, Industrial, Medical, Mixed-Use
- Availability: All 50 states
SBA Loan Programs
SBA-backed loans are designed specifically for owner-occupied commercial properties, offering lower down payments and longer terms than conventional financing.
SBA 504 Loans
- Up to 90% financing for owner-occupied commercial real estate
- Below-market fixed rates on the CDC portion
- 25-year fully amortizing terms — no balloon payments
- Ideal for purchasing or refinancing commercial property
- Can include land, existing buildings, new construction, and major renovations
SBA 7(a) Loans
- Flexible financing for real estate, equipment, and working capital
- Up to $5M in total loan amount
- Variable or fixed rate options
- 25-year terms for commercial real estate
- Suitable for acquisitions, expansions, and partner buyouts
Conventional Owner-Occupied Loans
For borrowers who prefer a streamlined process or don’t meet SBA eligibility requirements, our conventional owner-occupied programs offer competitive terms with faster closings.
- Up to 80% LTV on purchases and refinances
- Fixed-rate and adjustable-rate options
- 5 to 25-year terms with flexible amortization
- Faster underwriting and closings than SBA
- Available for single-tenant and multi-tenant owner-occupied properties
Ideal Use Cases
- Business Acquisition — Purchase the building where your business operates
- Practice Purchase — Medical, dental, veterinary, and professional office acquisitions
- Expansion — Grow into a larger facility or add a second location
- Construction — Ground-up or major renovation for owner-occupied use
- Refinance — Lower your rate or pull equity from your current property
- Partner Buyout — Buy out a business partner’s real estate interest
Eligible Property Types
- Office buildings
- Retail and shopping centers
- Industrial and warehouse facilities
- Medical and dental offices
- Mixed-use (commercial + residential)
- Restaurants and hospitality
- Auto service and specialty-use properties
- Daycare and assisted living facilities
SBA vs. Conventional Owner-Occupied Loans
| Feature | SBA 504 | SBA 7(a) | Conventional |
|---|---|---|---|
| Max LTV | 90% | 90% | 80% |
| Max Term | 25 years | 25 years | 25 years |
| Rate Type | Fixed (CDC portion) | Variable or Fixed | Fixed or ARM |
| Max Loan | No SBA cap on project size | $5M | $15M+ |
| Closing Speed | 45–90 days | 30–60 days | 21–45 days |
| Occupancy Req. | 51%+ | 51%+ | 51%+ |
| Best For | Long-term fixed-rate purchases | Flexible real estate + working capital | Faster closings, larger deals |
How It Works
- Apply — Submit your deal details online or call us
- Analysis — We evaluate your business financials and the property
- Program Match — We recommend SBA or conventional based on your profile
- Approval — Structured underwriting with clear communication throughout
- Fund — Close on your timeline with full coordination
Get Your Owner-Occupied Loan Quote
Ready to buy or refinance your business property? Call (310) 756-3619 or request your term sheet — we respond within 24 hours.
Get an Owner-Occupied Commercial Loan Quote
Tell us about your business property and financing needs. A loan advisor will respond within one business day with preliminary terms and program recommendations.
Request a Quote | (310) 756-3619
Owner-Occupied Commercial Loan FAQ
What does “owner-occupied” mean for commercial loans?
Owner-occupied means the borrower’s business occupies at least 51% of the usable space in the property. This qualifies the property for SBA-backed financing and typically results in better terms compared to investor-only commercial loans.
What is the difference between SBA 504 and SBA 7(a) loans?
SBA 504 loans are specifically designed for fixed-asset purchases like real estate and major equipment. They offer below-market fixed rates and 25-year terms. SBA 7(a) loans are more flexible and can cover real estate, working capital, equipment, and partner buyouts in a single loan up to $5M.
How much of a down payment do I need?
SBA programs allow as little as 10% down on owner-occupied commercial property purchases. Conventional programs typically require 20–25% down. Exact requirements depend on property type, borrower experience, and deal structure.
Can I use an owner-occupied loan for a mixed-use property?
Yes. If your business occupies at least 51% of the property, the remaining space can be leased to tenants. Mixed-use properties with ground-floor commercial and upper-floor residential are common and eligible under both SBA and conventional programs.