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Fund the property your business operates in — and build lasting equity

Owner-Occupied Commercial Real Estate Financing

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Typical Range: $250K – $10MM+ Use Cases: Purchase • Refinance • Expansion • Land Contract Payoff • Build-Outs

Overview

Owner-Occupied Commercial Real Estate Financing

Owner-occupied commercial real estate financing allows business owners to purchase, refinance, or improve property used by their own company.
Instead of leasing, you can control the location, stabilize occupancy costs, and build long-term equity in an asset that directly supports your operations.

Nabesna Capital structures these loans through banks, credit unions, SBA and CDFI programs, and private lenders nationwide. We design financing that matches the business’s cash flow and growth trajectory — whether for a purchase, refinance, or land contract payoff.

Who This Program Serves

We work with small and middle-market businesses that operate from their own commercial properties — including:

  • Car washes and auto service centers
  • Restaurants, hotels, and hospitality groups
  • Manufacturers, distributors, and logistics operators
  • Medical, dental, and professional offices
  • Contractors, trades, and owner-operated facilities

 

Whether you’re buying the building you currently rent, refinancing an existing mortgage, or paying off a land contract, our team aligns you with lenders who understand the nuances of your operation and industry.

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Typical Terms

  • Loan Size: $250K – $10MM+
  • Advance Rates: Up to 80–90% of appraised value (SBA 504 / 7(a) programs available)
  • Amortization: 10–25 years depending on lender and collateral type
  • Rate Structure: Fixed or variable; monthly payments; options for interest-only or blended term
  • Collateral: Subject property; may include secondary collateral or personal guarantees

 

We tailor the structure to your timeline and goals — whether it’s an SBA-backed 25-year note, a bank portfolio loan, or a bridge facility to refinance an existing obligation.

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When to Consider This Loan

  • Purchasing your business’s current or new location
  • Refinancing or consolidating an existing commercial mortgage
  • Paying off a land contract to obtain long-term fixed-rate financing
  • Funding an expansion, renovation, or build-out
  • Transitioning from leasing to ownership to reduce long-term costs
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Why Work with

Nabesna capital

  • Small-business expertise: We understand the operational realities of owner-operators — from cash flow seasonality to equipment-heavy industries.

  • Multi-lender access: We maintain relationships with banks, SBA lenders, and private credit funds nationwide.

  • Execution focus: We package and present your deal in lender-ready form to secure competitive terms quickly.

  • Transaction versatility: Whether it’s a refinance, a land contract payoff, or a complex multi-use property, we know how to navigate the structure.

You run your business — we’ll handle the capital.

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