Commercial · Florida & Texas
Owner-Occupied Commercial Real Estate
Buy, refinance, or expand the building your business operates from — with SBA, bank, and conventional CRE financing.
Common challenges we solve
- Stop paying rent; build equity instead
- Coordinate with business cash flow
- Equipment and improvement financing
What you get with Lumos
SBA 504 with 10% down
SBA 7(a) for smaller deals
Conventional CRE for stronger businesses
Loan programs that typically fit
Frequently asked
- Why owner-occupy?
- Better LTV, longer terms, and tax benefits versus pure investor CRE.
