Many business owners believe they need a large down payment to purchase the building they operate from. In many cases, that is simply not true.
Through SBA owner-occupied real estate financing, qualified business owners can often purchase their property with up to 100% financing while preserving valuable working capital for operations and growth.
A Real Example
I worked with the owner of a health spa who was paying $4,300 per month in rent.
Rather than continue paying rent, we structured 100% financing for the purchase of a standalone commercial property for $425,000. In addition, we obtained $50,000 for property improvements, including landscaping, driveway completion, and upgraded windows.
The most important part of the transaction was that the owner was able to acquire the property and complete the improvements with virtually no cash investment upfront. Instead of tying up capital in a down payment, those funds remained available to operate and grow the business.
Today, the owner is building equity in a commercial property rather than paying rent to a landlord. In addition, the owner benefits from any future appreciation in the value of the real estate, creating another asset that can contribute to long-term wealth and retirement planning.
Why Business Owners Consider Ownership
- Turn rent payments into ownership payments
• Build equity with every payment made
• Participate in future property appreciation
• Finance improvements as part of the project
• Preserve working capital for operations and growth
• Create an additional retirement asset
• Protect against future rent increases
For many business owners, the combination of 100% financing, improvement funding, long-term occupancy control, and real estate appreciation can make ownership a far better financial strategy than leasing.
That’s how you do it.
John R. Mitchell
President
Sterling Business Capital LLC
Tel: 561-927-8077
✉ john@sterlingbusinesscapital.com
Helping business owners acquire companies, finance growth, and turn rent into ownership through strategic SBA financing solutions.