Owner Occupied Bridge Loans
Your business can’t wait on the bank’s calendar.
A bank gives you an answer. As your loan broker, I give you options.
Your company needs the building now, and the long-term loan isn’t ready yet. I’m Kevin Kermeen, and I place owner occupied bridge loans for business owners nationwide. Whether you need a bridge loan for business property you want to buy, owner occupied commercial loans for the building you already run, or a plan for an SBA 504 takeout down the road, I take one complete file to 200+ capital partners. Don’t Beg the Bank!
Call Kevin 7 days a week (Arizona Time).
- Purchase or refinance of the building you occupy
- Short-term bridge with a long-term plan
- Minimum loan $150,000, up to $100 million
- I review every file personally
Owner Occupied Bridge Loans for Real Situations
If one of these sounds like your week, you are not the only one. Here is how I work each problem when you need owner occupied bridge loans.
The building you lease is for sale and the landlord wants to close soon
You have run your business here for years. The landlord is selling, and a long underwriting won’t fit the seller’s timeline.
Your business needs cash and the equity is in your building
You own the property, the business is growing and the bank wants two years of perfect returns before it will lend against it.
Last year was rough but the business is back
One bad year on the returns made every bank say no, even though this year is strong.
Banks hand out umbrellas when the sun is shining, not when you are weathering the storm.
Call Kevin 7 days a week (Arizona Time).
How Owners and Investors Use Owner Occupied Bridge Loans
Most people look for owner occupied bridge loans when something has changed: a purchase, a maturing note, a project that needs capital or equity they want to put to work. Here is what each situation usually needs.
A bridge loan for business property you want to buy
When the seller won’t wait for a long underwriting, a bridge loan for business property can close the purchase so you can refinance later.
Owner occupied commercial loans on a building you run
Owner occupied commercial loans look at both the building and your business. A bridge can release equity or buy time while your financials catch up.
Planning an SBA 504 takeout
Many owners use a bridge first and an SBA 504 takeout later for long-term fixed financing on the real estate. I plan both sides from the start.
Buying time to fix the file
If last year’s returns are weak or the business is changing, owner occupied bridge loans can carry you until the long-term loan makes sense.
Whatever the reason, the best owner occupied bridge loans are the ones that fit your plan for the property. A loan that looks cheap on paper can cost more if the term, the prepayment rules or the reserves do not match what you are trying to do. I start with your goal, then shop the owner occupied bridge loans that match it.
What Capital Partners Look At on Owner Occupied Bridge Loans
Every capital partner has its own guidelines, but most owner occupied bridge loans are reviewed on the same core questions. Knowing them before you apply saves time and surprises.
- The building: value, condition and location
- Your business: revenue, cash flow and history
- Occupancy: how much of the building you use
- The exit: how and when the bridge is repaid
- Your cash in the deal: down payment and reserves
- Timing: what the contract or maturity requires
- Credit and history: personal credit, plus any past bankruptcy, foreclosure or default
- The paper trail: leases, operating statements and title
If one of these is weak, it does not automatically end the deal. It changes which capital partners fit. That is the work I do on owner occupied bridge loans before your file goes out.
My Process for Owner Occupied Bridge Loans
- You call or click. Call Kevin 7 days a week (Arizona Time) at (480) 915-8690, or start the application. Tell me the real story of the deal, including the parts that worry you.
- You apply once. The commercial real estate loan application takes about five minutes, and estimates are fine. After you submit, you can upload documents to a secure link.
- I review the file personally. I look for what a capital partner will question and fix the story before it goes out.
- I match the deal. I take your request for owner occupied bridge loans to the capital partners in my 200+ network whose guidelines fit your property, purpose and profile.
- You compare terms. I walk you through each option in plain English, including costs and conditions.
- I stay with you to closing. I stay on the file through appraisal, underwriting and closing, so you are not left chasing updates.
Call Kevin 7 days a week (Arizona Time).
Gather these first
To get a quote, capital partners usually want a mortgage statement or the purchase contract, the rent roll and leases if there are tenants, 12 months of operating history, photos of the property, a personal financial statement, a schedule of real estate owned and two months of bank statements. Don’t have everything yet? Start your application anyway. You can send the rest later.
Why Use a Broker for Owner Occupied Bridge Loans
A bank can only offer its own loan. A broker can compare many. I am a nationwide commercial loan broker, not a lender, and I work for you. My job is to know which capital partners are lending on owner occupied bridge loans right now, and to present your deal so it gets a fair look. Don’t Beg the Bank!
“Kevin works for you, not the lender. Having your full financial picture up front lets him match you with the capital partners that fit your situation best, out of 200+, so you don’t have to apply over and over.”
- Need $150,000 or more
- Have a property, a contract or a real project
- Can share income, expenses and your financial picture
- Want options, not a single take-it-or-leave-it offer
- Need less than $150,000
- Are buying a primary residence
- Want a promise of approval before anyone sees the file
- Are not ready to share documents
Just Funded: Real Commercial Real Estate Deals
Want proof? These are real deals from my Just Funded posts. Read the full story behind each one.
Call Kevin 7 days a week (Arizona Time).
Owner Occupied Bridge Loans FAQ
What are owner occupied bridge loans?
Owner occupied bridge loans are short-term loans on a building your business occupies. They buy time to close, renovate or qualify for long-term financing.
How does an SBA 504 takeout work?
The bridge is repaid by a long-term SBA 504 loan once the file qualifies. The SBA 504 program provides long-term, fixed-rate financing for major fixed assets such as real estate.
Do owner occupied commercial loans look at my business?
Yes. Owner occupied commercial loans review both the property and the business that occupies it, including revenue and cash flow.
When does a bridge loan for business property make sense?
When the timeline, the financials or the property itself doesn’t fit a long-term loan yet, but a clear plan exists to refinance or sell.
What is the minimum for owner occupied bridge loans through you?
The minimum loan is $150,000. Loans can go up to $100 million depending on the property, the deal and your file.
Is approval certain if I apply?
No. Every file is subject to credit approval, and rates and terms depend on the property, the deal and your file. What I can promise is a personal review and a straight answer.
Do you work in every state?
Yes, I work nationwide in all 50 states. Call Kevin (480) 915-8690 to discuss your situation, 7 days a week (Arizona Time).
Other Commercial Real Estate Loans
Need a different property type? See all commercial real estate loans, or pick a program below.
Ready to Talk About Your Owner Occupied Bridge Loans?
A bank gives you an answer. As your loan broker, I give you options.
Tell me what the bank would not hear. I review every file personally. Call Kevin 7 days a week (Arizona Time). Don’t Beg the Bank!
Call Kevin 7 days a week (Arizona Time).
Subject to credit approval. Terms vary. This is not a commitment to lend.