Business Owners

Own the business? Own the building

Other than labor, occupancy costs are a business owner’s largest expense. Owning your own building is the best way to stabilize those costs and put you in control. In many communities, lease rates have increased 30 percent, 50 percent or even 75 percent over the past five years.

Owning your building means no more rising rent. Stop worrying about your landlord selling and being forced to relocate.

In addition to locking in your occupancy costs long term, owning your building will give you tax benefits, appreciation and a retirement option.

In fact, many of our borrowers have told us that owning their own building was the best retirement they never planned. The appreciation on the building when it is sold can make a nice nest egg.

Some owners choose to take title to the building in their own names, then lease it back to their business. When they retire and sell the business, they still have lease income coming in. Either way, it’s a great way to build equity for the future or to leave a legacy.

 

Be your own landloard. Write yourself a check.

We are your advocated for the life of the loan. Our team of experts guide you through the loan process and remain your partner until your loan is paid off.

Own vs Lease

Owning property is not as expensive as leasing. See for yourself.

Calculate Payments

Calculate what your payments would look like to purchase a building.

Find a Loan Expert

Connect with TMC and get your questions answered.

See how some of our small business clients used the SBA 504 Program to buy their buildings .

From Dream to Reality: How Lab Studios Bought Its Creative Home with SBA 504 Financing

“Buying this property was a dream goal,” says Valerie Ramirez, founder and owner of Lab Studios in Los Angeles, CA. “It became a reality because of the good people around…

Security, Equity, Improved Cash Flow: Geiger Post, the SBA 504 Loan, and TMC Financing

When Geiger Post needed a new home after their lease ended, they turned to TMC Financing and an SBA 504 loan. The result: a permanent studio, improved cash flow, built‑in equity, and long‑term security for their business.

Purchasing Property, Boosting Profitability: Waxness and SBA 504 Loans from TMC Financing

“TMC Financing and the SBA 504 loan program help small businesses like mine to be more competitive and profitable,” says Andre Seni, owner of 1 Beauty, LLC, in Palm Desert,…

From Kiosk to Multi-Property Powerhouse: How SBA 504 Loans Helped 123 Goal Expand Across Las Vegas

  For over a decade, entrepreneur Oren Adani has been shaping the Las Vegas souvenir scene with his wholesale apparel company, 123 Goal. Known for supplying custom merchandise to major…

SBA Fee Reductions for Manufacturers in Fiscal Year 2026

Manufacturers may be eligible for lower SBA 504 interest rates!  Effective October 1, 2025, the Small Business Administration (SBA)  significantly reduced upfront SBA 504 loan fees for small manufacturers. These…

Jenna Leurquin Patisserie: With an SBA 504 Loan from TMC, a Bakery Owns Its Property

“This is our third location but our first purchase of commercial property and it has already helped us scale our business differently,” says Jenna Leurquin, founder and owner of Jenna…

TMC Financing and the SBA 504 Loan: A Homecare-Services Business Secures New Space

“Owning commercial property for Angel Connection Nursing Services was an essential move for our business, our clients, and our staff,” explains CEO Merj Chu of the homecare-services business that she…

Two Years Later: How the SBA 504 Loan Program Elevated a Las Vegas PR Firm

A look back at how property ownership, strategic financing, and perseverance transformed this women-owned business In 2022, Sarah Thornton, founder of Connected Communications, purchased a 2,000-square-foot office in Las Vegas,…

Unlocking Growth: Leveraging Multiple 504 Loans for Business Expansion

The SBA 504 loan program makes it possible for you to receive financing from a number of loans over an extended period of time. Here’s how.

Big City Bagels Secures 5th Location with SBA 504 Financing

For over 30 years, best friends and business partners Jennifer Reynolds and Kristee Gilbert have been shaping the San Diego breakfast scene with their signature brand, Big City Bagels (BCB…

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