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Owner-Occupied Commercial Loans

Owner-Occupied Commercial Loans for Business Owners

SBA 504, SBA 7(a) and conventional loans for owner-users who occupy 51% or more of the building.

SBA 504 and 7(a)
Conventional options
Purchase and refinance

On select programs, subject to lender approval. Not all applicants will qualify. Term sheets are subject to review and lender approval. Not a commitment to lend.

Request a Term Sheet (310) 756-3619

Blue Fox Capital Corporation arranges and places 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: varies by program, subject to SBA and lender approval
Structure: Fixed and variable options matched to your scenario, set by the lender
Down Payment: varies by program, subject to SBA and lender approval
Property Types: Office, Retail, Industrial, Medical, Mixed-Use
Availability: Most states, depending on the program and property type; subject to lender approval

SBA Loan Programs

SBA-backed loans are designed for owner-occupied commercial properties, with down payment, term and amortization set by the SBA program and the lender.

SBA 504 Loans

Down payment, rate, term and amortization structure set by the SBA 504 program and the lender
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
Rate and term structure set by the SBA 7(a) program and the lender
Suitable for acquisitions, expansions, and partner buyouts

Conventional Owner-Occupied Loans

For borrowers who prefer a conventional structure or don’t meet SBA eligibility requirements, our conventional owner-occupied programs offer an alternative to SBA financing.

Purchases and refinances
Fixed and adjustable structures matched to your scenario
Amortization set by the lender
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 — Restructure the current loan or pull equity from your 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
Structure	Set by the SBA 504 program	Set by the SBA 7(a) program and lender	Fixed or adjustable, set by the lender
Closing Timeline	Varies	Varies	Varies
Occupancy Req.	51%+	51%+	51%+
Best For	Owner-occupied real estate purchases	Real estate plus working capital	Larger or non-SBA-eligible 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 with full coordination, subject to lender approval

If Your Business Does Not Occupy 51%

Buildings where your business occupies less than 51% of the space, or that you hold purely as an investment, are financed as investment property. See Commercial Mortgage Financing, and if the current loan is maturing, our commercial loan maturity checklist.

Get Your Owner-Occupied Loan Quote

Ready to buy or refinance your business property? Call (310) 756-3619 or request your term sheet — term sheets are subject to review and lender approval.

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Get an Owner-Occupied Commercial Loan Quote

Tell us about your business property and financing needs. A loan advisor will follow up.

Request a Quote (310) 756-3619

Request a Term Sheet

Tell us about the property and what you need. We will review it and follow up on financing options that may fit. Term sheets are subject to review and lender approval and are not a commitment to lend.

First Name *Last Name *Email *Phone *Property State *Property TypeFinancing PurposeHow the Property Is UsedLoan AmountTimelineAnything else we should know?I agree that Blue Fox Capital Corporation may contact me by phone and email about my inquiry. Consent is not a condition of any loan. See our Privacy Policy.Optional: I agree to receive text messages from Blue Fox Capital Corporation at the phone number above about my inquiry, application and document status, and appointment scheduling. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. Consent is not a condition of any loan. See our Privacy Policy and SMS Terms.

Please do not include Social Security numbers. Prefer to talk? Call (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, which is underwritten differently from 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. Rate, term and amortization are set by the SBA program and the lender, subject to approval. SBA 7(a) loans are more flexible and can cover real estate, working capital, equipment, and partner buyouts in a single loan.

How much of a down payment do I need?

Down payment requirements are set by the SBA program and the lender, and 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.

For the loans described on this page, Blue Fox Capital Corporation acts as a California mortgage broker, not a lender. We arrange and place business-purpose financing. CA DRE 01527288 | NMLS 1840487. Daniel Eckhouse, NMLS 217328 | CA DRE 01977403. The loans described on this page are business-purpose loans secured by non-owner-occupied investment or commercial property. They aren’t available for a home you live in or plan to live in. Program ranges are marketing ranges, not guarantees. They’re subject to change without notice, and to borrower qualification, property eligibility, appraisal and lender approval. Not all applicants will qualify. This is not a commitment to lend. Equal Housing Opportunity. 66350 Pierson Blvd, Suite A, Desert Hot Springs, CA 92240 | (310) 756-3619 | dan@bluefoxcapital.com