Owner-Occupied Commercial Property Financing

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Owning the property where your business operates can provide long-term stability, greater control over your business location, and the opportunity to build commercial real estate equity.

TDJ Equity Funding helps established business owners evaluate financing for purchasing, refinancing, renovating, or expanding eligible owner-occupied commercial properties.

Our strategy-first approach considers your business's financial position, property qualifications, occupancy requirements, and financing objectives to identify suitable lending opportunities.

Financing through eligible banks and commercial lenders for established businesses purchasing or refinancing properties used primarily for their business operations.

The SBA 504 program may provide long-term, fixed-asset financing for eligible businesses purchasing, constructing, or improving owner-occupied commercial real estate.

This program is generally intended for qualifying business-use properties rather than passive real estate investments.

Eligible SBA 7(a) loans may support commercial property acquisitions, renovations, certain refinancing transactions, and other approved business financing needs.

Refinancing opportunities for qualifying business owners seeking to restructure existing commercial property debt, evaluate repayment terms, or access eligible financing for business purposes.

Financing for qualifying business owners expanding their operating facilities, upgrading existing commercial property, or completing eligible property improvements.

Financing may be available for qualifying properties including:

• Office buildings
• Retail storefronts and shopping facilities
• Medical and professional offices
• Warehouses and industrial facilities
• Automotive service properties
• Manufacturing facilities
• Mixed-use commercial properties with qualifying business occupancy

Property eligibility varies by financing program and lender.

• Business operating history
• Business revenue and profitability
• Cash flow and debt-service coverage
• Business and owner credit profiles
• Property value and condition
• Business occupancy percentage
• Available down payment or equity
• Existing business and property debt
• Business financial statements and tax returns
• Property acquisition or refinancing objectives

For SBA financing, occupancy requirements and other eligibility rules must also be satisfied.

1. Business & Property Discovery

We review your business operations, property objectives, financing needs, and proposed transaction.

2. Funding Readiness Evaluation

TDJ evaluates relevant financial information, borrower qualifications, occupancy requirements, property details, and proposed financing structure.

3. Financing Options

Once the financing request is lender-ready, TDJ identifies potential lending opportunities and presents available financing terms for your consideration.

Whether you're purchasing your first business location, expanding into a larger facility, or refinancing an existing commercial property, TDJ Equity Funding can help evaluate your financing strategy.

Schedule a Commercial Real Estate Financing Consultation

Loan availability, terms, and eligibility depend on lender underwriting and applicable program requirements. TDJ Equity Funding is an independent commercial financing brokerage and does not guarantee loan approval.