What lenders look at
- The business's cash flow, since the building is hard to repurpose
- Operator experience
- Environmental history (gas stations)
- Franchise or brand agreements
- Equipment versus real estate value
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
SBA 7(a) loans
Low-down-payment loans for owner-occupied real estate and business acquisitions.
SBA 504 loans
Owner-occupied real estate with as little as 10% down and long-term fixed rates.
Purchase loans
Buy multifamily, retail, office, industrial or special-purpose property with bank, agency or private financing.
Bridge loans
Short-term capital for value-add, lease-up or deals that need to move before a bank can.
Frequently asked questions
Why are special-purpose properties harder to finance?
The building is designed for one use, so if the business fails, it's harder for a lender to resell. Lenders lean more on the operator and cash flow.
Can I finance a gas station with an SBA loan?
Yes. SBA 7(a) and 504 are common for owner-operated gas stations, often with 15% or more down.
Do you finance church buildings?
Yes, through banks, credit unions and specialty church lenders that understand giving history and congregation size.