FICO 600+
Flexible Credit
What Are Owner/User Loans?
Owner/User commercial real estate loans are designed specifically for business owners who want to purchase, refinance, or improve properties that their business will occupy. Whether you're looking to upgrade your current location, consolidate multiple properties, or relocate to a better facility, our Owner/User loans provide the capital and flexibility you need.
These loans are ideal for businesses of all sizes and industries—from retail and office space to medical facilities, restaurants, warehouses, and more.
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Acquisition Financing
Purchase the perfect property for your business with competitive rates and minimal down payment requirements. We finance up to 90% LTV.
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Refinancing
Refinance your existing business property to lower your rate, access cash, extend your term, or consolidate debt into one convenient payment.
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Build-to-Suit & Construction
Finance the construction of a new property built specifically for your business needs. Construction-to-permanent financing keeps things simple.
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Property Improvements
Upgrade and renovate your existing business property. Finance renovations, expansions, or modernizations to improve your operations and value.
Key Benefits
Explore why business owners choose Go Direct Lenders for Owner/User financing:
🎯 Competitive Terms
- Rates competitive with major banks
- Up to 90% LTV financing
- Fixed-rate 30-year terms
- Interest-only options available
- No prepayment penalties
- Fast close timelines
💼 Flexible Solutions
- Full documentation or lite doc options
- Works with various business structures
- Accommodates non-traditional credit
- Foreign nationals accepted
- Multi-property portfolio options
- Quick underwriting & approval
Loan Program Features
Program Specifications:
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Loan Amounts: $150,000 to $17.5M+
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Minimum Credit: FICO 600+ (flexible)
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Terms: 30-year fixed available
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Documentation: Full Doc & Lite Doc
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Payment Options: Interest-only available
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Collateral: Real estate preferred
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Cash-Out: Refinance with equity access
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Processing: Quick turn-around
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Coverage: Coast-to-coast U.S.
Industries We Finance
Owner/User loans work for virtually any industry. Common uses include:
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Retail stores and shopping centers
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Office buildings and suites
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Restaurants and food service
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Medical and healthcare facilities
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Industrial and manufacturing facilities
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Auto service and dealerships
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Warehouses and logistics centers
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Hotels, motels, and hospitality
The Application Process
Getting an Owner/User loan from Go Direct Lenders is simple and straightforward:
1
Initial Consultation
Contact us to discuss your property and financing needs. We'll explain options and answer questions.
2
Complete Inquiry Form
Fill out our simple one-page form with basic details about the property and your business.
3
Pre-Qualification
We'll provide a preliminary qualification assessment and rate estimate within 24-48 hours.
4
Formal Application
Submit a complete loan application along with property details and financial documentation.
5
Underwriting & Appraisal
We'll order an appraisal and begin detailed underwriting of your application.
6
Loan Approval
Upon approval, you'll receive clear closing documents and timeline information.
7
Closing
Sign documents and close on your new financing. Funds typically available within 3-5 business days.
Ready to Grow Your Business?
Whether you're buying a new location, refinancing existing property, or expanding your current space, Go Direct Lenders has flexible Owner/User financing to meet your needs. Let's discuss your project today.
Contact Our Commercial Team →
