Ideal for business owners looking to
- Purchase the building they operate from
- Expand into a larger facility
- Refinance an owner-occupied property
- Acquire a business with real estate
Business Real Estate Financing
Owner-Occupied & SBA Business Real Estate Financing
Invest in the Business You Own. Not Someone Else's Building.
Owning the property your business operates from can create long-term stability, build equity, and reduce dependence on rising lease costs.
Don't Just Grow Your Business. Build an Asset Along the Way.
For many business owners, purchasing commercial real estate is one of the largest investments they'll ever make. The right financing strategy should support both your business and your long-term financial future. That's why we begin with your goals before recommending a financing solution.
Is This the Right Capital Line™ for You?
Also designed to support
- Business debt consolidation
- Renovations and tenant improvements
- Lower long-term occupancy costs
- Building business equity through ownership
What We Can Offer
Competitive Long-Term Financing
Starting rates from 5.xx%*
- Long-term fixed options
- SBA financing available
- Lower down payment programs on select structures
- Competitive monthly payments
Maximum Buying Power
High LTV Programs*
- Owner-occupied financing
- Business acquisition financing
- Real estate + business structures
- Tenant improvement financing
Capital Magnets™
Designed for growing businesses that need financing to support ownership, expansion, acquisition, equipment, and long-term operational stability.
Owner-Occupied & SBA Capital Magnets™
- SBA 7(a)
- SBA 504
- Owner-Occupied Commercial Real Estate
- Business Acquisition
- Partner Buyouts
- Equipment Financing
- Tenant Improvements
- Expansion Capital
- Medical Practices
- Dental Practices
- Professional Offices
- Manufacturing Facilities
- Warehouses
- Restaurants
- Hospitality
- Franchise Financing
Property Types
- Office Buildings
- Medical & Dental Offices
- Retail Buildings
- Restaurants
- Warehouses
- Manufacturing Facilities
- Automotive Facilities
- Hospitality Properties
- Mixed-Use (Owner-Occupied)
- Professional Buildings
The GKAI Difference
Most lenders focus on qualifying your business.
We focus on strengthening your business.
Every opportunity is pressure tested and evaluated using the GKAI CAT™ (Capital Alignment Triangulation™) to identify the best achievable combination of:
Rate
Lower monthly occupancy costs and stronger long-term economics.
Leverage
Greater buying power for real estate, acquisition, improvements, and growth.
Flexibility
Financing structures that support ownership, expansion, occupancy, and business strategy.
Which Side of the CAT Matters Most to You?
Lower Monthly Occupancy Costs?
Prioritize pricing, amortization, debt service, and long-term operating stability.
Greater Buying Power for Your Business?
Prioritize leverage, lower down payment options, and acquisition capacity.
Flexible Financing That Supports Growth?
Prioritize property, business acquisition, improvements, equipment, and expansion needs.
Why GKAI Capital
Multiple Capital Lines
One relationship across business real estate, commercial property, acquisitions, equipment, hospitality, and growth financing.
Direct Review Support
Preliminary structuring and underwriting guidance before a full submission.
Creative Structuring
SBA, owner-occupied, business acquisition, equipment, tenant improvement, and layered capital solutions.
Relationship-Driven
Built for business owners, operators, franchisees, professional practices, manufacturers, and referring brokers.
Other Commercial Capital Strategies
GKAI also supports residential investment, hospitality, multifamily, development, private credit, and institutional capital strategies.
Why Brokers Work With GKAI Capital
- Multiple capital lines through one relationship
- Preliminary structuring before submission
- Creative solutions for owner-occupied and SBA transactions
- Commercial real estate, business acquisition, and business-finance expertise
- Fast preliminary reviews
- Layered capital strategies including SBA, senior debt, seller financing, equipment, and equity
- Support designed for business owners, operators, franchisees, and professional practices
Program Disclaimer
Program highlights represent available solutions within the Owner-Occupied & SBA Capital Line™. Financing terms vary based on borrower qualifications, business financials, occupancy requirements, property characteristics, SBA eligibility, market conditions, and individual lender guidelines. Rates, leverage, loan sizes, and terms are subject to underwriting and do not constitute a lending commitment.
Build Your Business. Build Your Equity.
Schedule your Capital Alignment Review™ and discover which Owner-Occupied & SBA Capital Line™ best aligns with your business goals, real estate needs, and long-term vision.
*Programs, rates, leverage, and terms are subject to underwriting and change.
