What is it?
DirectLenderMatch classifies Owner-Occupied Commercial Real-Estate Loan under the financing form “Commercial mortgage.” Its typical use in this directory is: Business buys/finances its own premises.
How does it work?
The structure is generally evaluated, supported, or secured using the following basis: Business cash flow + owner-occupied property. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.
What can it be used for?
Business buys/finances its own premises.
What backs or supports it?
Business cash flow + owner-occupied property.
Why does this structure exist?
This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.
Important considerations
Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.
Is this actually a loan?
Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.
Verified lenders or providers
Direct bank lender
Bank of America, N.A.
Bank of America currently offers commercial real estate loans to purchase or refinance property used by a business; its disclosure addresses owner-occupied CRE.
Official evidence page →Last verified: 2026-08-23
Direct bank lender
First Citizens Bank
First Citizens currently documents commercial loans, asset-based/asset-backed/cash-flow solutions and commercial real-estate financing.
Official evidence page →Last verified: 2026-08-23
Other sources & comparison
DirectLenderMatch lists providers whose offerings have been individually documented, but the list is not exhaustive. Local and regional banks, credit unions with commercial programs, national banks, debt funds, and specialty commercial real-estate lenders may offer this type of financing. Provider appetite can vary by property type, geography, and transaction size.
Financing terms can differ between sources. An initial offer is not necessarily the only available option. Reviewing more than one source can help show differences in rates, fees, repayment terms, eligibility requirements, collateral treatment, and other conditions.
Compare fixed-rate loan terms with the Loan Comparison Calculator →
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