Real Estate Lending
For a variety of reasons, it might be prudent for your company to own your facility rather than leasing from a third party. Pinnacle's owner occupied commercial building loans are designed to help you finance the purchase of your business property and enable you to benefit from the equity you create in the property while repaying the loan. A Pinnacle financial advisor, along with your tax attorney and/or accountant, can help you work through decisions around issues such as whether to lease or buy, and whether the company or the individual business owner should own the property.
Our specialized financing team helps owners acquire the necessary construction loans. We quickly turn around loan draw requests. We have in-house inspectors and appraisers to ensure your project moves forward as quickly as possible.
Real estate loans typically have a loan-to-value ratio ranging from 75 percent to 80 percent. A loan for an owner occupied building is primarily analyzed through a review of the profitability and cash flow of the operating company, as well as the personal financial strength of the owner who typically guarantees the loan.