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 .

SBA 504 Loan Program Helps Amplify California’s Craft Brewing Economy, Spurring Millions in Growth

In 2018, the Brewing industry was estimated to have an economic impact of more than $26 billion across the country – and that was before a surge in 2020 that…

Woman-Owned Construction Supply Firm Soars with SBA 504 Loan Program

  Entrepreneur Karly Urata has a long history in the construction industry. For more than 20 years, she had the opportunity to learn from her father, the founder of a…

How Zack/de Vito Architecture + Construction Bought a Commercial Building in San Francisco: The SBA 504 Loan for Small Business

  As principals of Zack/de Vito Architecture + Construction, Jim Zack and his partner and wife, Lise de Vito, had a goal of purchasing commercial real estate for their firm….

An Innovative Seed Company is Growing Faster than Ever After TMC Financing’s SBA 504 Loan

PanDia Seeds Inc. is an international wholesale vegetable seed company working with trusted growers worldwide to develop safe, healthy vegetable varieties using modern techniques. Through breeding, trials, and production, PanDia…

SBA 504 Loan Seals the Deal for Dry Diggings Distillery Expansion

TMC Financing is pleased to announce the recent purchase of 4911 Windplay Drive in El Dorado Hills, CA, for $1,400,000. By utilizing the SBA 504 Program, Cris Steller, founder, and owner…

SBA 504 Program Allows San Diego Business Owner to Escape Rising Rents, Purchase Property, and Lower Monthly Occupancy Costs

The SBA 504 Program allowed for 90% financing and a Below-Market Rate, fixed for 25 years  Sandra Vargas, the owner of Sante Fe Park, has 25 years of experience in…

MIO Pre-School Graduates from Tenant to Owner with SBA 504 Loan from TMC Financing

Educator Teresa Blea has always known she wanted to work with children. She didn’t realize that that passion would lead her to become a successful business owner and proud San…

Gold-Diggers: Exactly What the SBA 504 Loan Was Made For

  Gold-Diggers was a “rundown strip bar that had seen better days” before Dave Neupert stepped in. East Hollywood, where Gold-Diggers was located, had seen better days, too, but Neupert,…

The SBA 504 Loan Program Was a Slam Dunk for This Youth Athletics Program

Growing up, business owner Alex Hariz had a passion for basketball. “As a kid, I never had gym space to play in. We just played in the park. If we…

TMC Financing Helps Apparel Brand Size Up with the SBA 504 Program

California isn’t just a place to live, it’s a lifestyle. No one knows that better than Nick Hoppe, founder of Ocean Beach Sportswear. Operating his business since 2013 out of…

More Success Stories