Owner-Occupied Commercial Real Estate Loans

Put down roots with real estate financing designed for your space

When your business runs from the building you own, financing decisions shape more than a monthly payment. An Owner-Occupied Commercial Real Estate Loan can help with purchasing a building or refinancing the one you already use.

Purchase the building where you work

An Owner-Occupied Commercial Real Estate Loan can help finance the purchase of the building where your business serves customers and handles day-to-day work.

Refinance the property you already own

If your business owns its building, refinancing may help adjust your loan based on current goals and the value of the property.

Make payments that reflect how you use the space

Loan terms are shaped around the way your business works from the property and what the building supports each day.

Your questions, answered

An owner-occupied commercial real estate (OOCRE) loan is a business loan used to purchase, refinance, or renovate property that your business primarily operates from. To qualify as owner-occupied, your business must typically occupy at least 51% of the property. These loans are commonly used for offices, medical practices, retail spaces, warehouses, and mixed-use commercial buildings.

Yes. This type of loan may be used to refinance a building your business already owns based on your current needs.

An owner-occupied commercial real estate loan is designed for businesses that operate out of the property. An investment property loan is intended for properties leased primarily to tenants. The key difference is usage. With an OOCRE loan, your business occupies most of the building. With an investment loan, the property is primarily rented to others.

Small business lending begins with a conversation in a financial center with a Small Business Specialist who can review your property plans and outline next steps.

You do not need to be a member to begin the conversation, but membership is required before approved loans are closed.