What lenders look at
- Occupancy and lease rollover over the loan term
- Tenant credit and industry
- Owner-user versus investor
- Tenant improvement and leasing costs
- Local office market vacancy
We package these points up front, so the lenders who see your deal already understand its strengths and how any weak spots are handled.
Loan options for this property type
Purchase loans
Buy multifamily, retail, office, industrial or special-purpose property with bank, agency or private financing.
Refinance and cash-out
Lower your payment, replace a maturing loan, or pull equity for your next acquisition.
SBA 504 loans
Owner-occupied real estate with as little as 10% down and long-term fixed rates.
Bridge loans
Short-term capital for value-add, lease-up or deals that need to move before a bank can.
Frequently asked questions
Are lenders still financing office buildings?
Yes, but selectively. Owner-occupied office, medical office and well-leased suburban buildings are much easier to finance than large, vacant urban towers.
What's the best loan to buy an office for my own business?
SBA 504 is often the best fit, with as little as 10% down and a long fixed rate.
Can I refinance an office building with upcoming vacancies?
Often, with lower leverage, a leasing reserve, or a bridge loan until new leases are signed.