• 10685-B Hazelhurst Drive, Suite 16249 Houston, TX 77043-3261
  • Open: Mon-Fri 8:30-5:30 Sat 9:00-1:00 Sun CLOSED
  • 10685-B Hazelhurst Drive, Suite 16249 Houston, TX 77043-3261
  • Open: Mon-Fri 8:30-5:30 Sat 9:00-1:00 Sun CLOSED

Owner User Program


With over 25 years of experience working directly with business owners, we posess the knowledge and ability to quickly assess a client’s credit needs, recommend appropriate solutions, and close the deal. We offer our owner/user clients both conventional and SBA loan options. We take pride in our professional transaction management and timely closings. Please contact us if you are looking to refinance your existing commercial building or are planning to purchase a new one.


Conventional Loan Program

This product is designed for business owners that will occupy at least 25% of the property, can show stabilized financial statements, and must also be able to support the requested loan amount. Debt service is calculated on a global basis using the subject business and borrowers income. In addition, lease income generated by investment tenants is applied towards debt service in underwriting. A conventional owner/user loan can be used for almost any type of property that is not specifically investor related.

Options with Conventional Loans:

  •  Loans amortized up to 30-years
  •  Fixed rates up to 20-years
  •  Up to 85% Loan to Value
  •  Refinance or Purchase Transactions
  •  Cash Out
  •  Debt Restructure


SBA 504 Loan Program

The SBA 504 Loan Program is a partnership between a lending institution, a Certified Development Company (“CDC”) acting on behalf of the SBA, and the business owner. Under the SBA 504 Loan program, a lending institution will lend 50% or more of the total project cost, the CDC will provide a minimum of 40% of the total project cost and the business owner will generally provide a minimum of 10% of the total project.

  •  20-year Fully Amortized
  •  Fixed Rate for Life of the Loan
  •  Up to 90% Loan to Value
  •  Assumable and Transferable
  •  Refinance or Purchase Transactions

SBA 7(a) Loan Program

The SBA’s 7(a) program provides loans to small businesses unable to secure financing through conventional loan programs. The program makes loans through a lending institution, guaranteed by the SBA.

  •  25-year Fully Amortized
  •  Up to 100% Financing
  •  Working Capital Loans
  •  Debt Restructure
  •  Business Acquisition
  •  Non-Real Estate Business Loans
  •  Refinance or Purchase Transactions



No Minimum Credit Score | Any Owner Occupied Property Eligible
No Maximum Loan to Value Projection Based Financing Allowed



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