Owning a business location property has many advantages, including control of appearance, functionality control, no lease extension negotiations, rent increases, investing in a property instead of losing money to rent, and leasing out extra space.

As a business owner applying for a commercial loan, it's common for traditional banks to offer you short to medium terms with adjustable rates instead of long-term fixed options, resulting in extension fees and the risk of rates increasing. High down payment options can also be problematic, causing your business to tie up too much capital needed for business operations. Depending on the property's condition, many banks may require building improvements before purchase. In addition, strict cash-flow requirements from a traditional bank can mean lower production for your business.

Some additional challenges include vacancy restrictions requiring your tenants to be in place, often for an extended period, before funding your loan. You may be required to have more time in business than you currently do. Down payment requirements may be too high for many business owners. To meet these challenges, we have many solutions for you as a business owner-operator, including: