Flexible Owner-Occupied Commercial Real Estate Loans

Secure financing for a commercial property your business will occupy with guidance from Franklin Financing Services. Our nationwide lending relationships, SBA-focused processing, and broad financing options help small to medium-sized businesses explore practical paths to purchase, construct, refinance, or improve business real estate without relying on a one-dimensional bank approach.

Business owner reviewing commercial real estate loan documents

Our Owner-Occupied Commercial Real Estate Loans Services

Financing options for purchasing, refinancing, constructing, or transitioning into business-use commercial property.

SBA Loans

Access SBA financing from $150,000 to $5.0 million for eligible commercial real estate purchases, construction, refinance, leasehold improvements, expansion, equipment, and related working capital needs.

Real Estate Financing

Explore capital solutions for business property needs, including owner-used commercial buildings, investment-related real estate requirements, and financing strategies designed around your company’s operations.

Bridge Loans

Use short-term commercial bridge financing to address timing gaps, transition between properties, move quickly on opportunities, or support interim capital needs before permanent financing is arranged.

Commercial loan review process

Our Commercial Loan Process

Review Your Property Financing Goals

We begin with a free financing evaluation to understand your property goal, occupancy plans, loan amount, business profile, and timing. This helps identify whether SBA, real estate financing, or bridge loan options best fit your situation.

Assess Eligibility and Documentation

Match You With Lender Options

Package and Submit Your Loan

The Franklin Difference

Why Choose Franklin Financing Services?

Work with a financing partner built to evaluate more than one lending path.

Certified Guidance

Seasoned, certified financial professionals guide complex commercial property and business financing decisions.

SBA Access

Preferred SBA-related processing helps eligible loan packages move more efficiently through lender review.

Lender Network

National lending relationships expand options beyond banks that serve only the most credit-worthy businesses.

Flexible Options

Multiple financing products support purchases, construction, refinancing, bridge needs, and broader business growth.

Meet The Financing Team

Experienced financing guidance for growing businesses nationwide.

Franklin Financing Services is a comprehensive financing partner for small to medium-sized businesses seeking more than a standard bank response. The firm is composed of highly experienced, seasoned, certified financial professionals who understand that growing companies often need flexible structures, faster answers, and access to multiple lending sources. With relationships across national lenders and a designation as a Preferred Financial Services company by SBA lenders, the team helps business owners evaluate real estate financing, SBA loans, bridge loans, working capital, equipment financing, and debt restructuring. The vision is simple: give business owners practical financing solutions that support expansion, cash flow, and long-term stability.

$150K-$5MMSBA 7(a) loan size range available for eligible uses
24-48 HoursApproval window for certain fast-track financing programs
3-7 DaysPotential funding timeframe for select business financing options

Frequently Asked Questions

What is an owner-occupied commercial loan?

An owner-occupied commercial loan is financing for a property where the borrower’s business will use a substantial portion of the space for operations. These loans may be used to purchase, construct, refinance, or improve commercial real estate. Franklin Financing Services helps businesses evaluate options such as SBA-backed financing and other real estate lending solutions based on cash flow, occupancy, collateral, and business history.

Do you have to put 20% down on a commercial loan?

What can owner-occupied commercial real estate loan funds be used for?

How long does approval take for a commercial real estate loan?

What documents are needed for owner-occupied commercial financing?

Can I qualify if my business has imperfect credit?

What loan amounts are available for SBA commercial real estate financing?

Can Franklin Financing Services help refinance existing commercial property debt?

Still Have Financing Questions?

Get practical answers before choosing your loan path.

Certified & Trusted

Awards and Recognition

Preferred SBA processing designation

Preferred SBA Processing

Supports faster and more efficient SBA loan processing.

Certified financial professionals

Certified Financial Professionals

Experienced professionals supporting complex business financing decisions.

National lender relationships

National Lender Network

Expanded financing access beyond traditional bank channels.

Explore Your Commercial Property Financing Options

Tell us about your property goals, business financials, and timing. We will help evaluate potential financing paths and next steps.

Contact Us Today

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