Small business financing

Owning the building you operate from

Owner-occupied commercial purchases sit in their own lane. Lenders will look at the business that occupies the space as well as the real estate, which cuts both ways: a strong operating history can support a deal the bare property would not, and a weak one can hold back a deal the property would otherwise carry.

Where the business and the property are both strong, there are programs specifically built for this and they are worth finding.

Releasing equity from property you already hold

If you own the premises outright or nearly so, that equity is working capital sitting still. Secured borrowing against it generally costs considerably less than unsecured business credit, and the amortization can be matched to what the money is being used for — a short term for inventory, a long one for a building improvement.

The discipline is matching the term of the debt to the life of the asset it is buying. Twenty-five-year money against three-year equipment is how businesses end up paying for things long after they have been replaced.

Timelines are real

Commercial and business-secured financing takes weeks. If there is a closing date or an opportunity with a deadline attached, tell us the date at the first conversation so we can work backwards from it and tell you honestly whether it is achievable.