Buy Commercial Property
Stop Paying Your Landlord's Mortgage.
Own the building your business runs in, or buy income property that pays you. We handle both, with commercial financing in-house.
Start Your Property SearchTwo Ways to Buy
Owner-user or investor. The strategy and the financing are different, and we run both.
Owner-occupied
Buy the building your business operates in. Your rent becomes equity, your payment is predictable, and SBA financing can get you in with as little as 10 percent down in many cases.
Best for daycares, auto shops, restaurants, medical and professional offices, and retail that plans to stay put.
Income property
Buy property that generates rent: strip centers, small multifamily of five or more units, mixed-use, and flex space. We underwrite the numbers so the income is real, not just a projection.
Best for investors building cash flow and long-term appreciation across Metro Atlanta.
Financing, In-House
We line up the loan while we find the building, so funding never stalls the deal. See the full funding and grants page.
SBA 504
Long-term, fixed-rate financing for owner-occupied buildings. As little as 10 percent down in many cases.
SBA 7(a)
Flexible financing for owner-occupied property, often bundled with working capital or a business purchase.
Conventional commercial
Bank financing for owner-users and investors, usually 20 to 30 percent down with faster timelines.
Seller financing
The seller carries part of the price. Useful when a bank will not cover the full deal or speed matters.
Marquetta Bryant is a licensed Mortgage Loan Officer (NMLS #2512081). Mortgage and real estate services are provided through separate entities.
Due Diligence Checklist
Buying Questions
How much do I need down to buy commercial property?
For an owner-occupied building, SBA 504 and 7(a) programs can require as little as 10 percent down in many cases. Conventional commercial loans and most investment purchases usually want 20 to 30 percent down. The right program depends on whether you will occupy the building and the type of property.
What is a cap rate, in plain language?
A capitalization rate is the property's yearly net income divided by its price. A building that nets 80,000 dollars a year and costs 1,000,000 dollars has an 8 percent cap rate. Higher cap rates usually mean more income relative to price, and often more risk or more work. It is a quick way to compare income properties.
What is the difference between SBA 504 and SBA 7(a)?
SBA 504 is built for real estate and heavy equipment, with long fixed terms and a low down payment, split between a bank and a certified development company. SBA 7(a) is more flexible and can fund real estate plus working capital, inventory, or a business acquisition in one loan. We help you pick based on what you are buying.
Can I buy commercial property with partners?
Yes. Many commercial deals are done through an LLC with two or more partners. The key is agreeing upfront on ownership split, who signs on the loan, how decisions get made, and the exit. We coordinate with your attorney and CPA to set it up cleanly.
Find Your Building
Tell us what you want to buy and how you plan to use it. Vernon Bryant, Qualifying Broker, will build your buy box and line up financing.
Prefer a form? It is on the way. For now, grab a time to talk commercial.