finance the purchase of a building

Owner-Occupied Commercial Real Estate Loans

Transform your business.

Owning your building can be a game-changer. It can be a buffer against gentrification and economic downturns, as well as an enduring asset. Traditional capital and equity requirements put real estate purchases out of reach for too many. We aim to change that.


We take the time to get to know you and understand your business.


You don’t need perfect credit or full collateral to be approved.


With a fixed interest rate and low fees, there are no surprises.


  • Lower cash down requirements and high loan-to-value financing may be available
  • Specialized terms to match your needs
  • Lower owner-occupancy requirements
  • Flexible projections-based debt financing

NOTE: Businesses owned by entrepreneurs of color may qualify for lower rates and special terms.

Get Started Iniciar

Rates & Terms

Loan Size
Up to $4,000,000
Fixed rates from 8.50% to 9.50%
Loan origination fee of 2% of loan total plus closing costs

Fees for non-profits are 1% plus closing costs
Closing Costs
$650 plus any third-party fees for appraisal, legal, etc
Typically 5 to 7 years, with longer amortizations possible in some cases
Repayment Terms
Interest-only payments are possible for the first 3 months

Our Loans

We also offer other financing

Financing With Craft3

Craft3 supports entrepreneurs at every step of the loan application process. Note that obtaining a business loan is a more involved and lengthier process than taking out a home mortgage.

Loans up to $250,000 can be funded as fast as 30 days. Larger loans typically take longer.

Get Started Iniciar

When you’re ready to apply, complete this online form to help us learn about you and your business. If it looks like a potential fit, a Craft3 lender will reach out to talk with you about your business plan, uses of funds and collateral.


A Craft3 lender will invite you to apply and help you complete your loan application package. We will review your application and give your request the careful attention it deserves. Review usually takes 1-2 weeks, although it can be shorter or longer depending on the size and complexity of the request.


If we think we can help you with your request, we will notify you and outline the terms of the loan and the items, if any, we need for underwriting a final loan decision. After that we quickly move to closing and disbursement.

a man and a woman sitting at a table with a laptop

What we look for in a loan application:

A strong business or idea

An entrepreneur with the skills and temperament to succeed

A financing request that makes sense given your business and your financial situation

Customer Stories

A Flagship Location for the Salvadorean Bakery

Aminta and Ana had run a bakery in a leased space for many years. They were motivated to purchase a building that could become a flagship location, help them build generational wealth, and safeguard against displacement. The Craft3 lending team crunched the numbers and tested financial projections so the sisters could secure a loan to let them acquire a property and finance renovations.

Looking for more Information?

Business Resources

We support entrepreneurs of all stages of the business journey and offer resources to help you learn, grow, and better understand your financing options.

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For Businesses

Your Business Journey

We hope this business journey worksheet helps you think about your next steps and anticipate potential setbacks.

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For Businesses

Glossary of Finance and Business Terms

If you’re interested in starting or expanding a business, you’ll likely encounter lots of terms and acronyms. This glossary will hopefully help you make sense of unfamiliar words and equip you for your business journey.

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For Businesses

The Definitive Guide to Getting Loan Ready

We want to make the loan process as clear and transparent as possible. Here are some resources to support business preparation and growth.

Pay it ForwArd

Our Lending Model

When you repay your loan, we use that money to make other loans. This allows us to serve more entrepreneurs. Over time, this makes a big difference for communities, local economies, and the environment.

Our Team

“Being able to engage in the community I've grown up in, and to be a resource to people who I've known for so long, in a strategic effort to make our shared community better, is what gets me out of bed every morning.”

Andrew Mattingly
Business Lender, VP