Who this is for
Investors buying a stabilized income property, owner-users buying the building they operate from, and buyers who need to close on a deadline. If the property has a story, like vacancy, deferred maintenance or a tenant issue, that's exactly when a broker earns their keep.
How we place a purchase loan
- We size the deal. We look at the purchase price, rent roll and operating history to see what lenders will actually lend, based on both loan-to-value and debt service coverage.
- We match it to lenders. A bank that loves owner-occupied industrial may pass on a hotel. We send your deal only to lenders who fund that property type, size and market.
- You compare written terms. Within 48 hours you see real options side by side: rate, leverage, term, prepayment and fees.
- We manage it to closing. We coordinate the appraisal, environmental report, title and lender conditions so nothing stalls your escrow.
What lenders will ask for
- Purchase contract and property address
- Current rent roll and leases (income properties)
- Two to three years of operating statements, plus year-to-date
- Your real estate schedule and personal financial statement
- Two years of tax returns for you and the buying entity
Don't have all of it yet? Send what you have. We'll tell you what matters for your specific deal. See the full commercial loan document checklist.
Terms shown are typical market ranges across our lender network, not a commitment. Your actual terms come in writing after we review your deal.
Recent closings
Solved: Renovation permits weren't ready, so the first lender denied it. We found one that would close.
Solved: A tenant refused to sign the lease estoppel. We placed it with a lender that could work around it.
Solved: The buyer needed a fast close before year end for tax reasons.
Frequently asked questions
How much do I need for a down payment on a commercial property?
Most conventional lenders want 20% to 30% down, depending on property type and cash flow. Owner-occupied buyers can often put down as little as 10% through SBA 504 or SBA 7(a) loans.
Can you finance a property with vacancy or deferred maintenance?
Yes. Those deals often start with a bridge loan that funds the purchase and improvements, then refinance into long-term debt once the property is stabilized.
Do you only work in California?
No. OCC Lending is based in Tustin, California, and places commercial loans nationwide.
How long does a commercial purchase loan take to close?
It depends on the lender, the property and third-party reports. We give you written terms within 48 hours, and we'll be straight with you about the realistic closing timeline for your deal.