Access Owner-User Commercial Real Estate Financing Options
June 7, 2024
Transitioning from renting commercial space to owning commercial real estate can create significant benefits for business owners. However, the process of successfully acquiring commercial property starts with having access to reliable financing options.
Discover how owner-user commercial real estate loans may help your business secure the ideal commercial property for your business. Also, learn about the different loan programs available and why Texas Gulf Bank is the lender you need on your side.
The Benefits of Pursuing Owner-User Commercial Real Estate
When your business chooses to pursue a commercial real estate purchase instead of renting, it is a strategic investment that can create opportunities for sustained growth. As an owner-user commercial property owner, your business may enjoy several key advantages, including the following:
Opportunities For Added Revenue Streams
With an owner-occupied property, you gain the freedom and space for your business to grow, as well as the ability to generate rental income by leasing out unused space to other businesses. As long as your business occupies at least 51% of the commercial property, your business can rent out the remainder to potentially build revenue over time.
Long-Term Financial Stability
If approved for an owner-occupied commercial real estate loan, your business makes fixed monthly payments if the loan is at a fixed rate of interest and fully amortized, instead of monthly rent payments that could increase over time.
This arrangement for owner-occupied commercial properties may enable you to strengthen your cash flow and preserve working capital for other business needs.
Build Equity for Your Business Future
Owner-occupied commercial real estate provides your business with the chance to build up equity in your commercial real estate, potentially adding more value to your business portfolio. The equity of your owner-user property may help to secure financing for buying other commercial real estate properties in the future.
Consider These Strategic Owner-User Loan Options
Owner-occupied financing may allow your business to take advantage of growth opportunities while minimizing negative impact on cash reserves or working capital.
When your business is ready to pursue owner-occupied financing for commercial real estate, you have options to consider.
Owner-User Commercial Real Estate Loan
For business owners who need strategic loan options for purchasing commercial property, an owner-user commercial real estate loan can help. These loans are standard bank loans used for the specific purpose of purchasing commercial real estate.
SBA 504 Loan
The SBA (Small Business Administration) is a federal agency dedicated to supporting established small businesses by guaranteeing a portion of these loans received from lending partners like Texas Gulf Bank. One of the most popular loan programs for small businesses interested in owner-occupied property is the SBA 504 loan.
The SBA 504 loan program is designed to spark business growth by participating in long-term funding for major fixed asset purchases such as commercial real estate.
Speak with a Lender Today About Financing Options
If your business is ready to pursue an owner-user commercial real estate loan, Texas Gulf Bank is the banking partner you need to finance your future property. We have over 110 years of experience providing loan solutions and top-tier banking services to support business growth in the Southeast Texas Gulf Coast region.
Our bank offers a streamlined loan application process, local lenders available to guide you through the loan process, and an in-house loan review team that strives to provide a prompt decision and seamless financing experience.
Contact our office at 1-800-467-7216 to speak with a helpful lender, use our contact form to request more information, or visit one of our many local banking centers.
Are you ready to experience the Texas Gulf Bank difference? We are committed to helping your business flourish with our full suite of exceptional business loan programs.
All loans subject to credit approval.