We specialize in owner/occupied commercial real estate loans which can include build out or improvement costs. Along with commercial real estate loans we can provide Working Lines of Credit, and/or Equipment Loans for your business.

Advantages of owning:
Investment: Build equity with office space for your business and yourself.
Flexibility: Create your own lease terms for your own company
Tax Write-Offs: Take advantage of depreciation deductions and reduce your tax liabilities.
Low Interest Rates: Rates are currently at historic lows, giving you the advantage of paying less interest and building equity more quickly from your investment.

---

Depending on your commercial real estate needs, we offer conventional financing requiring a 20% down payment and financing through SBA 504* requiring 10% down payment. Here is an example of how a loan differs between conventional and SBA financing.

*Option only valid for owner/occupied commercial real estate loans

80% Conventional Financing Financed Amount: $1,616,000 Loan Term: 5 years Amortization: 20 years Rate*: 5.95% Monthly Payment: $11,608 *Sample rate and monthly payment shown. Actual interest rate may be higher or lower depending on borrower credit and market.

90% Financing through SBA 504 Financed Amount: $1,843,000 Loan Term: 20 years on 40% of project (SBA) 10 years on 50% of project (Bank) Amortization: 25 years Rate*: 5.95% Monthly Payment: $12,107 *Financed amount includes financed SBA Debenture Fees -= to 2.16% of the SBA dollars. The listed Amortization rate is blended between Bank and SBA loans. Actual interest rate may be higher or lower depending on borrower credit. Interest rate on the SBA portion is determined by the SBA.

Call or email us today to find out how we can accommodate your business needs.