Equity Advantage Program

Tenant Occupied to Owner Occupied Purchase Money Commercial Real Estate Loan Program


Small business owners are able to take advantage of historically low interest rates to purchase or refinance commercial real estate property for loan amounts from $200M-$1.9MM.  We offer rates very close to standard bank rates.  When our loan is combined with a low-cost, fixed-rate SBA loan – that we  help to arrange – the resulting monthly payment may be near or less than their monthly rent payment. We make these loans in Western States.

For as little as 10% down small business owners may be able to take advantage of the SBA 504 program.  Total financing for up to 90% of the purchase price or current value of commercial real estate is available for borrowers with good credit, or even poor credit with acceptable explanations.  Certain types of equipment may also be financed.

Whether you are referred by your bank or a mortgage advisor, we make our offer directly to you, the potential borrower.   With your completed application, our initial decision is returned in less than 48 hours.  If we are not able to make the loan, and we believe another lending source would be a better fit for you, then we will refer you to a preferred lender.

In addition, if needed we will refer you to a knowledgeable commercial real estate brokers in your region to assist in negotiating with current landlords or to help with a business relocation.


Long term loans – Loans that are either fully amortized or partially amortized, for owner occupied or investor owned (tenant occupied) commercial real estate.  These loans are always first lien loans that either stand alone, or have a second lien component made by us or others such as SBA in a 504 loan structure.

Short term “transitional” financing – We bridge the gap in the borrower’s needs from point A to B.  For example, we can lend when institutional financiers will not – particularly for hospitality or land loans, or because your income stream is not yet robust enough or consistent enough for prime time lending.  These loans can be anywhere from one to five years in length.  Another scenario is where we make a construction loan, where the property can be refinanced when it is completed, or a couple of years after completion (called “mini-perm” financing) when a business can show that it generates adequate income for traditional lenders.