Owner User Lending Lending: Securing the Best Rates and Terms
Unlock the potential of owner-user financing to enhance your business operations and secure your financial future. Owner-user loans are specifically designed for business owners who occupy a significant portion of their commercial property, allowing you to build equity while controlling your workspace.
Key Benefits of Owner-User Financing
- Equity Building: By purchasing a property, you build equity with every mortgage payment, which can increase in value over time. This contrasts with renting, where payments do not contribute to ownership.
- Lower Risk for Lenders: As an owner-user, you are considered a lower risk for lenders since you are both the landlord and the primary occupant. This alignment often results in better loan terms and interest rates.
- Flexible Financing Options: Owner-user loans typically allow for financing up to 90% of the property's value, with terms extending up to 25 years. This flexibility can help align your financing with your long-term business goals.
Financing Options Available
Explore various financing options tailored for owner-occupied properties:- SBA Loans: These government-backed loans provide short-term long-term, fixed-rate financing for businesses that occupy at least 51% of the property. They offer competitive interest rates and favorable terms, making them an excellent choice for small businesses looking to invest in real estate.
- Conventional Loans: If your business occupies less than 51% of the space, conventional loans allow occupancy as low as 30%. These loans offer flexibility in terms of property types, including industrial buildings, retail spaces, and office properties.
