Owner-Occupied Commercial Real Estate Loan

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Leverage Real Estate to Grow Your Business

If your business desires to own or refinance the commercial property it occupies, a term loan is an effective solution. Merrill Lynch offers flexible financing that combines local market expertise with experienced underwriting in a variety of loan types and amortization schedules, creating customized solutions that meet individual business’s needs.

  • Leverage local market expertise to get a customized solution to meet your needs
  • Finance up to 80% of appraised value on purchase or refinance
  • Take advantage of flexible loan terms, including 5-, 7- and 10-year balloons, with up to 20-year amortizations

Owner-Occupied Commercial Real Estate Loan Options

Fixed-Rate Term Loan

A fixed-rate term loan offers an unchanging interest rate for the life of the loan, making it easy to budget, with the same predictable payments over the life of the loan.

Adjustable-Rate Term Loan

Take advantage of lower short-term interest rates through an adjustable-rate term loan, which adjusts daily as rates shift.

WCMA Reducing RevolverSM Loan

Our WCMA Reducing Revolver loan is an adjustable rate loan that combines term financing with the convenience of revolving credit. It enables you to reduce interest expense by borrowing what you need, prepay without penalty, and re-borrow prepaid amounts on a revolving basis.

Frequently Asked Questions About Owner-Occupied Commercial Real Estate Loans

What is owner-occupied commercial real estate financing used for?

A term loan to finance owner-occupied commercial real estate is available when the owner occupies at least 51% of the dwelling. Loans can be made through a WCMA Reducing RevolverSM, which allows the loan to be structured as a term loan that acts like a revolving line of creditor through conventional term loans with either fixed or adjustable rates.

Who is owner-occupied commercial real estate financing for?

Companies that are planning on occupying at least 51% of a dwelling and need a first mortgage to buy or refinance real estate.

What is the difference between owner-occupied commercial real estate financing and income-producing real estate financing?

An owner-occupied commercial real estate term loan is used to finance commercial properties occupied by the business. Though a portion of the building may be rented out, the business owner must occupy at least 51% of the building. Income-producing real estate financing loan is used to finance property investment in multi-family apartments, mini-storage, multi-anchored retail or multi-tenant industrial buildings.

Related Products & Services

For your business financial needs:

For your personal financial needs:

 

For more information call 1.866.4ML-BUSINESS (465-2874) or e-mail us at AskMLBiz@ml.com.

Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker-dealer, not a bank, and the WCMA account is not a bank account. Banking services are provided by licensed banks or by third parties through arrangements with licensed banks. Unless otherwise indicated, investment products are not FDIC-insured, not guaranteed by a bank and may lose value.

Term loan financing and the WCMA Reducing Revolver Loan are offered through Merrill Lynch Commercial Finance Corp. 


Financing, including the WCMA Reducing Revolver loan, is through Merrill Lynch Commercial Finance Corp., 222 North LaSalle Street, 17th Floor, Chicago IL 60601-California Loans made pursuant to a Department of Corporations California Finance Lenders license.  Programs, options and property types are not available in all states and are subject to change.  Certain conditions, restriction and costs may apply, Not all features are available with all programs.  All loans are subject to credit review and approval. 


WCMA Reducing Revolver is a service mark of Merrill Lynch & Co., Inc.

Owner-occupied commercial real estate financing is offered through Merrill Lynch Commercial Finance Corp. Investment/income commercial real estate financing is offered through Merrill Lynch Mortgage Lending, Inc. Real estate financing is not available in all states. Specific program options and property types are not available in all states and are subject to change. Certain conditions, restrictions and costs may apply.