A financing conversation built around the property.

Owner-occupied purchases

Buying business premises involves more than comparing rent with a loan payment. Discuss your business's space needs, growth plans, available capital and the property’s fit before deciding on a financing structure.

• What portion of the building will your business occupy?
• What capital is needed for improvements, equipment and working cash?
• How does the property fit your business plan and timeline?

Investment and refinancing

For income-producing property, start with the actual rent roll, expenses, tenancy and proposed purchase or refinance. A calculator cannot replace property due diligence or lender underwriting.

• Confirm the maturity date and existing loan conditions.
• Distinguish a forecast from documented income.
• Consider costs and restrictions as well as the stated rate.

Construction and improvements

A development or renovation conversation may involve phased funding, budgets, permits, contingencies and the plan for repayment. Bring the project stage and intended use to an appropriately qualified professional.

Learn from a primary lender resource

BDC publishes information about its own commercial real estate financing. It is a useful starting point for understanding one lender's approach—not an indication of affiliation, qualification or availability through this site.