Loan Services
Owner-Occupied Commercial Real Estate Loans
Acquisition, refinance and bridge financing for the property your business owns.
Is this you?
You're buying the building your business already operates out of.
You're looking at an investment property and aren't sure how a lender will look at it.
Your last commercial application got flagged because it looked like a residential loan file.
If any of those sound familiar, or call +1 (305) 819-3675.
A Residential-Style Application Gets Declined
Commercial real estate underwriting looks at cap rate, net operating income and debt service coverage, not just your business's income statement. Owner-occupied and pure investment deals need different structures, and a generic, residential-style application gets flagged, delayed or declined before anyone even discusses your rate.
10%
Typical down payment on an SBA 504 real estate purchase
Why owners choose us for this
A fixed fee, quoted before we start.
You know the cost of packaging your file before we start pulling documents.
We tell you which path fits before you apply.
Owner-occupied and investment property are underwritten differently. We identify which structure, SBA 504 or conventional commercial, fits your deal before you submit anything.
Financials that already match your tax return.
SMAART also does your accounting, so the statements a commercial lender reviews are the same reconciled numbers behind your filed returns.
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What you actually get
A package underwritten the way commercial lenders actually read it.
Ready when you are
How it works
- 1
Underwrite
We review the property's cap rate, net operating income and your financials to determine whether it fits owner-occupied SBA 504 financing or conventional investment underwriting.
- 2
Package
We assemble the property financials, rent rolls, appraisal-ready documentation and your business or personal financial statements the lender requires.
- 3
Source
We submit to lenders active in your property type and market, and negotiate the loan-to-value, rate and terms.
- 4
Close
We coordinate through appraisal, environmental review and closing conditions to keep the transaction on schedule.
Included Services & Outcomes
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Questions
Commercial Real Estate Loans FAQ
What's the difference between owner-occupied and investment commercial real estate financing?
Owner-occupied property, where your business uses at least 51 percent of the space, can qualify for SBA 504 financing with a 10 percent down payment. Pure investment property is underwritten on cap rate and net operating income against conventional commercial terms, typically requiring 20 to 30 percent down.
How long does commercial real estate financing take to close?
Conventional commercial mortgages typically close in 30 to 60 days. SBA 504 real estate loans run 45 to 90 days due to the additional government review. Bridge loans can close faster, often in 2 to 4 weeks, for a higher rate.
What is a bridge loan and when do I need one?
A bridge loan is short-term financing that covers the gap between a time-sensitive purchase and permanent financing, useful when you need to close faster than conventional underwriting allows or before a property is fully stabilized.
Should I refinance my commercial property?
Only if it actually improves your position, lower rate, better term, cash-out for reinvestment, or relief from a restrictive covenant. We run the numbers before recommending it, since refinancing costs and prepayment penalties can outweigh the benefit in some cases.
Do you help negotiate the loan terms, not just find the lender?
Yes. We review the term sheet line by line, loan-to-value, prepayment penalties, recourse provisions and covenants, and negotiate on your behalf before you sign, not after.
Put SMAART Loans behind your commercial real estate loans
Book a free consultation. We'll review your financing need, quote a fixed fee, and show you exactly which loan programs fit your business.