Owner-Occupied Commercial Property Financing
Finance property your business occupies and operates from.
Owner-occupied commercial property financing funds real estate that your business uses to operate — a building you buy to run your business from, rather than to rent out. This is distinct from investment property financing, where the property is income-producing for an investor. SBA 504 is a common route for owner-occupied property.
Minimum Requirements & Program Details
These are starting requirements for selected programs. Availability and final terms depend on the funding partner and underwriting. Other options may be available. Meeting a minimum does not guarantee approval.
ROK Commercial Real Estate
ROK partner channel
- Minimum credit
- 650+ FICO
- Down payment / equity
- Down payment and property documentation required (amount is program-specific)
- Financing amount
- Program-specific—request a funding review
- Term / structure
- SBA 504 or conventional; occupancy required
Availability and final terms depend on the funding partner and underwriting. If a requirement is unresolved for your situation, we'll note it as program-specific and confirm it during your review. Other options may be available.
Common uses
- Buying a building for your business to occupy
- Constructing owner-occupied premises
- Refinancing owner-occupied property
- Buying the real estate with the business
When it fits
- Your business will occupy the majority of the property
- You want to build equity in your location
- You can provide an equity injection
How it generally works
- 1You identify a property your business will occupy.
- 2Financing is structured around occupancy and business cash flow.
- 3An equity injection is typically required.
- 4You repay from business operations.
Factors funding partners may consider
- Business cash flow and occupancy intent
- Property value and condition
- Equity injection
- Credit profile and time in business
Documents to prepare
We provide the exact checklist for your program after reviewing your request — you don't need to order an appraisal or gather everything before reaching out. Initial review items help us assess fit; additional underwriting & closing items are requested only once a partner program is confirmed. Sensitive documents are handled through our invitation-only secure process — never on the public intake.
Initial Review
- Business financials and tax returns
- Property details and purchase contract
Additional Underwriting & Closing
- Property appraisal and environmental report
- Personal financial statement
- Use and occupancy plan
Curious whether this fits your situation?
Request a review — we'll confirm fit and suggest alternatives if another product suits you better.
Illustrative scenario
A manufacturer buys the building it has leased for years, financing the purchase with an equity injection and repaying from operations — replacing rent with ownership. Actual terms depend on the partner and underwriting.
How it compares to related products
vs. Investment Property
Owner-occupied financing is for property your business uses; investment property financing is for property you rent out.
Learn morevs. SBA 504
SBA 504 is a common owner-occupied route with favorable terms; conventional options also exist.
Learn moreFrequently asked questions
Ready to explore owner-occupied commercial property?
Request a funding review and we'll help confirm fit and identify alternatives. Any match is preliminary until reviewed.