Real Estate Financing

Take control of your business space. Explore our financing options to buy your building and escape the hassles of renting—no more rent hikes or restrictive landlords.

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Solutions

Are you tired of escalating rents, restrictive lease terms, and continuous negotiations over tenant improvements? Owning your business premises can eliminate these issues, providing stability and potential asset growth. We offer a range of financing solutions to help you purchase your building and secure your business’s future.

Commercial Real Estate Loans

Our commercial real estate loans, tailored specifically for businesses looking to purchase or refinance their premises, offer competitive rates and terms. With them, you can gain the freedom to modify your space to fit your needs perfectly without landlord approval.

Our commercial real estate loans give businesses the flexibility and control needed to grow on their terms. Whether expanding to a larger location, refinancing an existing property, or investing in a new facility, we work closely with you to structure financing that fits your business goals. Our process is streamlined to ensure quick approvals, allowing you to act fast in today’s competitive real estate market. With ownership, you can also build long-term equity while avoiding the unpredictable nature of rental increases.

SBA 7(a)

Ideal for small businesses, the SBA 7(a) loan facilitates the purchase of owner-occupied real estate with lower down payments and extended repayment terms. This program can also cover construction and renovation costs, making it easier to tailor your new space to your business requirements.

The SBA 7(a) loan helps small businesses secure their first property and offers significant benefits for long-term financial planning. With lower interest rates and more manageable monthly payments, this loan program reduces financial stress, making it easier for business owners to focus on growth and operations. It also finances working capital, furniture, and equipment purchases, ensuring your space is functional and perfectly aligned with your brand’s identity. This government-backed loan gives small businesses access to affordable credit that may not otherwise be available.

SBA 504

Our commercial real estate loans, tailored specifically for businesses looking to purchase or refinance their premises, offer competitive rates and terms. With them, you can gain the freedom to modify your space to fit your needs perfectly without landlord approval.

The SBA 504 loan is designed to support business owners with significant real estate needs by offering low fixed rates and long repayment terms. It is particularly advantageous for companies seeking to purchase larger facilities or make extensive improvements to existing properties. The 504 program encourages long-term economic development, enabling businesses to create jobs and invest in their communities. Additionally, it offers up to 90% financing, minimizing upfront costs, so your cash flow remains strong as you grow your operations.

Bridge Loans

Ideal for small businesses, the SBA 7(a) loan facilitates the purchase of owner-occupied real estate with lower down payments and extended repayment terms. This program can also cover construction and renovation costs, making it easier to tailor your new space to your business requirements.

Bridge loans provide fast, short-term financing solutions for businesses needing immediate capital access while awaiting long-term funding. These loans are ideal for companies facing tight deadlines—such as purchasing a property before selling an existing one or securing prime real estate in competitive markets. With quick approvals and flexible terms, bridge loans help you seize time-sensitive opportunities. They are also useful for businesses undergoing transitions, such as renovations or expansions, by providing essential liquidity without locking you into long-term commitments.

Multifamily Real Estate Acquisition Loans

In the multifamily real estate sector, acquisition loans play a crucial role, offering investors the necessary capital to purchase apartment complexes or multi-unit buildings. We facilitate access to multifamily real estate loans. We work with you to understand your current scenario and target properties, as it allows us to identify the most suitable loan products among the myriad options available in today’s diverse lending market.

Considerations in the process include interest rates, loan-to-value ratios, and debt service coverage ratios, each crucial in determining the loan’s feasibility. Building strong relationships with both clients and financial institutions ensures a smooth transaction, ultimately helping investors secure profitable multifamily properties that enhance their real estate portfolios.

Advantages

Unlock funding options for property acquisitions, expansions, or refinances to fuel your business growth.

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Stop paying rent and invest in your property

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Freedom to alter and customize your space without landlord restrictions

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Potential tax benefits from property ownership

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Build equity in real estate as your business asset

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Access to long-term, fixed-rate financing options

FAQ

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What are the benefits of owning versus renting business space?

Owning your business space can provide financial benefits, such as building equity, potential appreciation in property value, and tax deductions, such as depreciation.

What kind of down payment is needed for these loans?

Down payments can vary, typically from 10% to 20%, depending on the loan program and your business’s financial health.

Can I use these loans for renovation or construction costs?

Yes, the SBA 7(a) and SBA 504 loans can cover renovation and construction costs to adapt the property to your business needs.

How quickly can I close on a real estate purchase?

Closing times can vary, but we work to expedite the process. Typically, transactions can close within 45 to 60 days from application.

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Start Your Financial Journey

Legacy Guard is your partner in the financing journey. We build and retain relationships in the evolving financial markets to help businesses close deals, no matter the complexity of the financing or business plan.

This model allows us to explore numerous capital structuring options for your project while locking in the best possible terms and rates with fast turn times, minimal out-of-pocket expenses, or impact on personal credit.

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