Owner-Occupied Commercial Real Estate Financing for U.S. Businesses

More about owner-occupied commercial real estate financing

Common ways companies put owner-occupied commercial real estate financing to work include buying a warehouse the business currently leases, purchasing a clinic or office a practice operates from, refinancing an owner-occupied facility to improve terms, and acquiring a building configured for the company's workflow. In each case the goal is the same: convert a future or illiquid value, a receivable, an asset, a confirmed order, or a property, into capital you can use today, without giving up control of the business.

Because the borrower occupies the property, business operating cash flow factors into underwriting alongside the real estate., The financing applies to property the company uses itself, not to pure investment real estate., and Acquisition and refinance of an owner-occupied property are structured differently. Because of these variables, RCR International Finance LLC reviews each request individually instead of quoting a single posted figure. RCR International Finance LLC does not guarantee approval, rates, or funding amounts. Terms are determined case by case after review.

Preparing the right documentation speeds everything up. For owner-occupied commercial real estate financing, underwriting commonly reviews property details and intended business use, purchase contract or current ownership records, business financial statements and tax returns, and year-to-date profit and loss statement. Having these ready lets RCR International Finance LLC assess the opportunity quickly and discuss realistic structures with you. RCR International Finance LLC can help evaluate options based on your business profile, cash flow, collateral, and goals.