Owner-Occupied
Real Estate Financing
Unlock Capital for Business Growth with Flexible, Collateral-Based Loans
Owning your commercial property is a powerful asset—but traditional bank loans can be restrictive and slow. At Beyondthebank.com, we offer Owner-Occupied Real Estate Financing designed for business owners who need fast, flexible funding with a streamlined approval process.
Our collateral-based approach allows us to prioritize the value of your real estate over rigid financial metrics, making funding possible even in complex situations. Whether you need to purchase, refinance, or leverage your property for working capital, we provide solutions tailored to your needs.
Who Is This Program For?
- Business owners looking to purchase, refinance, or unlock equity in their commercial property.
- Companies needing working capital for expansion, equipment, payroll, or debt consolidation.
- Businesses seeking alternative financing options outside of traditional banks.
- Owners with challenging financials who may have been declined by banks due to debt service coverage ratios or past profitability.
- Borrowers looking for a faster, more flexible approval process than traditional lenders offer.
Why Entrepreneurs Choose Beyondthebank
Loans from $1M to $30M
Scalable funding options to match your business goals.
Collateral-Driven Approach
Approval is based on property value, not just financials.
Flexible Loan Uses
Use funds for property acquisition, debt consolidation, working capital, or business expansion.
Up to 25-Year Amortization
Longer terms to keep payments manageable.
Cash-Out Refinancing Available
Tap into your property’s equity for growth.
Little to No Financial Covenants
We focus on your real estate, not rigid bank underwriting requirements.
Nationwide Availability
Financing solutions across the U.S.
Loans from $1M to $30M
Scalable funding options to match your business goals.
Collateral-Driven Approach
Approval is based on property value, not just financials.
Flexible Loan Uses
Use funds for property acquisition, debt consolidation, working capital, or business expansion.
Up to 25-Year Amortization
Longer terms to keep payments manageable.
Cash-Out Refinancing Available
Tap into your property’s equity for growth.
Little to No Financial Covenants
We focus on your real estate, not rigid bank underwriting requirements.
Nationwide Availability
Financing solutions across the U.S.
Loan Options
Real Estate Term Loans
- Fixed-term financing for property purchase, refinance, or equity release.
- Loan sizes from $1M to $30M.
- Up to 25-year amortization with manageable monthly payments.
- Can be paired with a Real Estate Revolving Line of Credit for additional liquidity.
Real Estate Revolving Line of Credit
- Must be combined with a term loan.
- Designed for working capital flexibility tied to your property.
- Interest-only monthly payments with up to 2-3 draws per month.
- No prepayment penalties—borrow what you need, when you need it.
How It Works
Submit Your Property & Business Details
Provide basic financials, property details, and ownership structure.
Loan Evaluation & Approval
We focus on your real estate value rather than strict debt service coverage.
Appraisal & Closing
We can work with existing appraisals or order a new one to expedite the process.
Receive Funds
Once approved, funds can be used for property acquisition, working capital, debt consolidation, or growth initiatives.
Example: A manufacturing company wants to refinance their commercial property to free up $3M in equity for expansion and equipment upgrades. With Beyondthebank.com, they secure a long-term real estate loan without restrictive financial covenants.
FAQs: What You Need to Know
What qualifies as owner-occupied?
Your business must occupy at least 25% of the property.
What can the loan be used for?
Property purchase, refinancing, working capital, payroll, inventory, equipment, business expansion, or debt consolidation.
What if I’ve been turned down by a bank?
Our collateral-driven approach allows us to approve loans where banks often decline.
Do you finance properties with environmental concerns?
Yes! We have experience financing contaminated properties.
Can I still obtain loans from other lenders?
Absolutely! We specialize in real estate financing and work alongside lenders funding accounts receivable, inventory, and equipment.
Get Started Today
Turn your commercial property into a powerful financial asset! Our streamlined process and flexible terms make it easy to secure the funding you need.
Beyondthebank.com – Smarter Real Estate Financing for Business Owners