COMMERCIAL PROPERTY FINANCING

Own Your
Business Location

Owner-occupied commercial real estate financing for office, retail, industrial, and mixed-use properties

Explore Financing Options

BUILD EQUITY IN YOUR BUSINESS

Finance Your Commercial Property

Stop paying rent and start building equity. Union Point Commercial Finance provides owner-occupied commercial real estate financing that allows business owners to purchase the property where they operate.

Whether you're looking to purchase your first commercial property or refinance an existing location, our flexible financing solutions are designed to support your business growth while building long-term wealth through real estate ownership.

Why Own Instead of Lease?

  • Build equity with every mortgage payment
  • Lock in fixed occupancy costs and avoid rent increases
  • Potential tax benefits and depreciation advantages
  • Control your business location and facility improvements
Business owner with commercial property

PROPERTY TYPES WE FINANCE

Financing for Every Business Type

Office Buildings

Professional office spaces for service businesses, medical practices, and corporate headquarters.

Retail Properties

Storefronts, shopping centers, and standalone retail buildings for customer-facing businesses.

Industrial Facilities

Warehouses, manufacturing facilities, and distribution centers for production and logistics operations.

Mixed-Use Properties

Combined commercial and residential spaces offering operational flexibility and additional income potential.

Hospitality & Dining

Restaurants, hotels, and hospitality venues with specialized financing for food service and lodging businesses.

Medical & Healthcare

Medical offices, clinics, and healthcare facilities with financing tailored to healthcare professionals.

LOAN FEATURES

Financing Designed for Business Owners

Flexible Down Payments

Down payment options starting at 10-20% depending on property type and borrower qualifications.

Long-Term Financing

Loan terms up to 25 years with amortization periods that match your business planning horizon.

Competitive Rates

Fixed and variable rate options with competitive pricing based on creditworthiness and property quality.

SBA Loan Programs

Access to SBA 504 and 7(a) loan programs offering favorable terms for qualified small businesses.

Purchase & Refinance

Financing available for property acquisition, refinancing existing debt, or cash-out refinancing for improvements.

Streamlined Process

Efficient underwriting and closing process designed to meet your business timeline and operational needs.

OUR PROCESS

From Application to Ownership

1

Initial Consultation

Discuss your business, property needs, and financing goals with our commercial lending team.

2

Pre-Qualification

Review your financials and receive preliminary approval with estimated terms and loan amount.

3

Property Evaluation

Property appraisal and due diligence to confirm value and suitability for your business operations.

4

Final Approval

Complete underwriting review and receive final loan approval with confirmed terms.

5

Closing & Funding

Close on your commercial property and receive funding to complete your purchase or refinance.

Frequently Asked Questions

Get answers to common questions about commercial property financing

We finance office buildings, retail centers, industrial warehouses, mixed-use properties, self-storage facilities, medical buildings, and special-purpose properties. Both owner-occupied and investment properties qualify.
LTV ratios typically range from 65-80% depending on property type, location, and borrower strength. Owner-occupied properties may qualify for higher LTV ratios through SBA 504 loans (up to 90%).
Rates vary based on loan type, property, and borrower profile. Current commercial real estate rates range from 6.5-9.5%. SBA 504 loans often offer below-market fixed rates for owner-occupied properties.
Yes, we offer cash-out refinancing for commercial properties. You can access equity for renovations, business expansion, or debt consolidation. Rate-and-term refinancing is also available to improve loan terms.
Terms typically range from 5-25 years depending on property type and loan program. SBA 504 loans offer 25-year terms for real estate. Amortization periods can extend to 30 years in some cases.
Minimum credit scores typically range from 650-680 for commercial property loans. Strong property cash flow and substantial down payment can sometimes compensate for lower credit scores.
View All Commercial Property FAQs

Take the First Step Toward Property Ownership

Speak with our commercial property financing specialists to explore your options and secure favorable terms for your business

Schedule Consultation

Or call us at (800) 555-1234

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