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Owner-Occupied Commercial Loans — SBA & Conventional Financing
SBA 504, SBA 7(a) and conventional loans for owner-users who occupy 51% or more of the building.
- Up to 90% LTV on SBA 504
- $250K – $15M+
- Terms to 25 years
On select programs, subject to lender approval. Not all applicants will qualify.
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% on SBA 504 structures / up to 80% conventional, on select programs and subject to SBA and lender approval
- 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% on SBA 504 structures, subject to SBA and lender approval
- Property Types: Office, Retail, Industrial, Medical, Mixed-Use
- Availability: Business-purpose and commercial financing available nationwide through our lender network, subject to lender approval.
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
- Fixed rate 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 target a term sheet within 24 hours (not an approval).
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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 a fixed rate on the CDC portion and long terms (up to 25 years on select structures), subject to SBA and lender approval. 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.
Blue Fox Capital Corporation is a California mortgage broker, not a lender. We arrange business-purpose financing through third-party lenders. 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