A Potential Alternative to Traditional SBA Financing

Imagine this:

You are a physician whose practice has outgrown leased space.

Or an attorney tired of annual rent increases.

Or perhaps a CPA, architect, engineer, or consultant paying substantial monthly rent while helping build equity for someone else.

At some point many successful professionals ask the same question:

“Should I continue leasing space… or should I own the building where my business operates?”

For years, many business owners immediately looked toward SBA financing as their first option.

But what if there is another path worth considering?

For a limited time, a specialized Commercial Real Estate program for Professional Service businesses may provide attractive financing options for owner-occupied commercial properties in the San Francisco Bay Area.

For many business owners—and for the commercial brokers helping them locate space—this could create opportunities that deserve a closer look.

Why This Matters

Owning your business location can potentially create advantages beyond simply having a place to operate:

✓ Greater control over occupancy costs
✓ Potential equity accumulation instead of rent expense
✓ Stability for employees and clients
✓ Potential tax planning advantages (consult tax professionals)
✓ Ability to customize the property for operational needs
✓ Opportunity to build long-term business assets

For commercial real estate brokers, understanding specialized financing options can also help expand the number of viable opportunities for clients.

Sometimes the right financing structure can open doors that buyers assumed were unavailable.

Who May Benefit?

This program is designed for owner-occupied professional service businesses including:

• Medical and healthcare practices
• Physicians and specialists
• Law firms and attorneys
• CPA and accounting firms
• Financial service firms
• Engineering firms
• Architectural firms
• Consulting businesses

Limited-Time Program Highlights

Commercial Real Estate Financing

Owner Occupied Properties

Loan Amounts:
$500,000–$5,000,000

Current Fixed Rate Options

ProductTier 1Tier 2
5-Year Fixed / 25-Year Amortization5.85%5.95%
7-Year Fixed / 25-Year Amortization6.00%6.15%
10-Year Fixed / 25-Year Amortization6.25%6.30%

Additional potential benefits:

✓ Interest-only payments for up to 2 years
✓ Fixed terms up to 10 years
✓ Waived upfront commitment fee (versus the SBA required Guaranty Fee)
✓ 1% origination fee
✓ Limited-time discounts available

Important Qualification Considerations

Like most commercial financing programs, underwriting requirements apply.

Typical considerations include:

• Owner-occupied property required
• Maximum 65% Loan-to-Value
• Minimum DSCR of 1.25x
• Personal guarantees required
• Liquidity requirements apply
• Minimum average deposit balances of $150,000
• Property generally located within the San Francisco Bay Area
• Compensating factors may allow exceptions

For Commercial Real Estate Brokers

The financing discussion should not begin after your client finds a building.

It should begin before property tours ever start.

I frequently see situations where business owners become excited about a property only to discover later that financing structure, occupancy requirements, liquidity requirements, or cash reserves change the picture.

Knowing possible financing options upfront can save time and help clients focus on realistic opportunities.

Final Thoughts

Many successful professionals spend years building valuable businesses while paying rent every month.

Sometimes ownership of the space itself becomes part of the long-term strategy.

If your physician client, law practice, accounting firm, consulting business, or professional service company is considering purchasing space, understanding available financing options early can make a significant difference.

Every borrower is unique. Every property has a story.
If you’re navigating a real estate challenge — big or small — I’m here to help you find the smartest path forward.

Programs, rates, terms and guidelines can change without notice and are subject to underwriting approval.

🔎 BROKER’S EDGE – Smarter Real Estate Lending
🤝 Looking out for your Best Interest, and Helping Homeowners, Investors & Small Business Owners since 1990

📞 Steven Hook | Residential & Commercial Mortgage Broker

📱 415-260-9376 | 📠 415-449-3428

🎓 MBA | CMPS | CMA

👉 Schedule a Call
🌐 SanFranciscoLoanOptions.com
🌐 shook@Uamco.com or smhloans007@gmail.com

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This content is provided for informational purposes only and is not a loan commitment or guarantee of financing. Loan programs, rates, terms, and conditions are subject to change and borrower qualification. Individual results may vary.

Equal Housing Opportunity. Loan programs, rates, terms and conditions subject to change without notice. All loans are to be underwritten and not all borrowers qualify.

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