Owner-Occupied Commercial Real Estate Loans
Buy, refinance, or build the property your business runs from — with up to 90% LTV through SBA programs.
Own the Building Your Business Operates From
We offer nationwide owner-occupied commercial real estate financing for businesses purchasing, refinancing, or constructing the space they operate from. SBA 7(a) and 504 programs reach up to 90% LTV, with conventional and stated-income options for borrowers who need speed or lighter documentation.
We offer owner-occupied financing for the following property types:
SBA 7(a) requires at least 51% owner occupancy and allows combined SBA exposure up to $80,000,000 across programs, subject to approval and structuring.
Hospitality and specialty-use properties are considered on a case-by-case basis.
How It Works
- 1
Get Qualified
- 2
Consultation
- 3
Documents
- 4
Review
- 5
Term Sheet
- 6
Underwriting
- 7
Conditions
- 8
Closing
The Denali Standard
Every transaction receives individual review and hands-on attention from the Denali team.
Common Questions
What does owner-occupied mean for a commercial loan?
Your business operates from the property being financed. SBA programs require at least 51% owner occupancy; conventional owner-user loans follow a similar standard.
How much can I put down?
As little as 10% through SBA 7(a) and 504 programs, which reach up to 90% LTV. Conventional owner-occupied financing typically runs 70-75% LTV.
Can I build or renovate, not just buy?
Yes. Purchase, refinance, and construction — including tenant improvements — are all eligible uses under the SBA programs.
What if my file does not fit SBA guidelines?
We also place conventional, stated-income, and private money owner-occupied loans, so a deal that misses SBA criteria still has a path to funding.
Explore other programs
Reach out to us to learn more!