Owner-User Lending
Financing for business owners purchasing or refinancing the real estate their company operates from.
Owner-user loans are qualified on your company's financials rather than a property's Net Operating Income, since there's no third-party tenant income to underwrite. Lenders typically run a separate division for these requests, and the property itself can be industrial, office, retail, or a specialized use like self-storage where the owner also operates the business. SBA-backed options can offer up to 90% financing, which is often the only path for a company with limited equity to purchase instead of continuing to lease.
Based in San Rafael, we arrange owner-user financing for Bay Area business owners as well as clients nationwide.
Apply Now- Core commercial financing for business owners
- West Coast & nationwide programs
- Maximum 75% loan-to-value (up to 90% via SBA)
- Nationwide lending from $1,000,000+
- California lending from $500,000+
- Qualification based on business financials, not lease income
| Lending Area | Nationwide, with preferred programs for Western states |
|---|---|
| Loan Amount | $1,000,000 and up nationwide; $350,000 and up in California |
| Maximum LTV | Up to 80%, based on risk and in-place cash flow |
| Fixed Rates | Starting at — |
| Amortization | 30-year amortization standard |
| Recourse | Non-recourse options available |
| Prepayment | Ranges from none to yield maintenance or stepdown |
| Underwriting | Starting at a 1.15x debt service coverage ratio |
Owner-user lending questions
Yes — we're based in San Rafael and regularly arrange owner-user financing for businesses throughout Marin County, San Francisco, and the greater Bay Area, alongside our nationwide lending programs.