Commercial Real Estate Loans for Small Business Owners
Up to 90% financing at below-market rates for commercial real estate purchases.
Starting and growing your business is an exciting adventure, especially when you’re purchasing or building its long-term home.
When making such a significant business investment, you’ll need a commercial real estate loan that works for you now and in the years to come—a loan that invests in your business’s future.
With Pursuit, you can get commercial real estate loans at below market interest rates with repayment terms up to 25 years.
What is a commercial real estate loan?
Commercial real estate (CRE) loans are mortgages used by small business owners like you to buy, build, or renovate property to use for your business.
This includes:
- Purchasing a building.
- Purchasing land.
- Constructing a building from scratch.
- Renovating an existing building.
- Equipping your business with heavy equipment and machinery.
Pursuit’s commercial loans are only available for owner-occupied properties, where your business is physically located in and operating out of the property you’re financing. Pursuit does not offer financing for non-owner-occupied CRE purchases, including investment properties.
Low-down payment SBA commercial real estate loans through Pursuit
Business owners seeking to finance owner-occupied commercial real estate will find low interest rates, long terms, and low down payments with the SBA 504 loan program, offered at Pursuit. You’ll benefit from:
- Commercial real estate loan terms of up to 25 years
- Below-market, fixed interest rates
- Down payments as low as 10%
- Flexible funding, whether you’re a start-up or established business
How to apply for your commercial real estate loan with Pursuit
These two tips will help you qualify for a commercial real estate loan to purchase or build owner-occupied properties.
- Craft an occupancy plan
Break down the percentage of space your business will occupy. With Pursuit, your business must occupy at least 51% of the existing building to be financed. If you’re constructing a new building, your business must occupy at least 60% of the space. - Prepare a purchase contract
Once you find your dream space, do your research on it and document your key findings. Write a description of the building, its purchase price, and go into detail on how your business will flourish using that commercial property. This way, your CRE loan can be structured to meet your goals.
The many benefits of a commercial real estate loan with Pursuit
When you need a commercial real estate loan, the U.S. Small Business Administration’s SBA 504 loan program is an excellent option with beneficial terms, and you can apply for this program with Pursuit. Whether you’re a start-up or an established business taking that next step, you’ll get:
- CRE loan repayment terms up to 25 years.
- Up to 90% financing at below-market, fixed interest rates.
- Down payments as low as 10%.
- Flexible funding.
When you apply for a loan with Pursuit, you’ll get dedicated one-on-one support to find the best SBA real estate loans for your business. Your Pursuit loan rep will work with you to assess your qualifications, prepare a checklist for your application, verify your requirements, and target your lowest possible loan rates.
Pursuit offers commercial real estate loans through these programs:
- SBA 504: This program makes purchasing owner-occupied commercial real estate and heavy machinery more affordable. Get up to $5.5 million in financing with longer repayment terms (up to 25 years) at a fixed interest rate for major fixed assets.
- SBA 7(a): You can get flexible funding for real estate purchases and improvements, working capital, and so much more through the SBA 7(a) program. Apply for up to $5 million, with affordable rates and repayment terms up to 25 years.
Explore how you can fund your big and bold ideas with Pursuit.
How your small business can flourish with an SBA commercial real estate loan

For more than 70 years, business owners like you have tapped into Pursuit’s expertise to finance and grow businesses. Working with Pursuit gets you access to a wide range of business loan options and support to make the application easy and manageable.
Here are just a few examples:
- Outfitting the space for a family arcade, including purchasing games, furniture, fixtures, and equipment.
- Securing the space, equipment, and working capital for an e-sports education business.
- Building a state-of-the-art facility for breeding, training, and boarding dogs when their owners go on vacation.
Read all their success stories here.
Apply for your commercial real estate loan
Pursuit offers commercial real estate loans in New York, New Jersey, and Pennsylvania.
After you begin your application, you’ll receive guidance to find the right loan for your business type and stage.
Call 1-866-466-9232, between 9 am and 5 pm EST to speak with a representative, or start your application online below.
Commercial real estate loans FAQs
A CRE loan or mortgage is specifically for a business property, while a residential loan or mortgage is used to finance a home purchase. CRE loans typically have shorter repayment terms (between 5 and 20 years) while residential mortgages can go up to 30 years. While a residential loan usually depends on your personal income and credit rating, CREs take into account the property’s income-generating potential, your business financials, and more.
If the property is used exclusively for running your small business, that’s commercial real estate. They could be office spaces, retail stores, warehouses, or industrial buildings.
The repayment term for a CRE varies. Programs available through the SBA, range anywhere from 7–25 years, depending on the program and the use of loan funds.
It depends on a few factors. Your location, the loan type, your credit score, and other factors will determine your downpayment. While 20% is usually a starting point, it can be higher. Talk to a lender at Pursuit by calling 1-866-466-9232, between 9 am and 5 pm EST, who can help estimate a number for your situation.