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 .

Community Advantage Loan Program: Creating Opportunity for a Women-Owned Auto Repair Shop

How TMC Financing Administered $75,000 in Working Capital to Fuel Small Business Growth  Chacon Auto Repair a women-owned, family-run shop in Walnut Creek, California, led by Adriana Ubieda Depablos and her husband,…

The Caviar Co. Boosts Operations with an SBA 504 Loan from TMC Financing

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From Growth Pressure to Long-Term Stability: How a Behavioral Therapy Clinic Used SBA 504 Financing to Invest in Their Future

“Buying a commercial building wasn’t part of our original plan,” explains Hamna Tayyab, the Founder and Director of Advanced Behavioral Specialists. “It felt overwhelming and out of reach. But once we understood our financing options, property ownership became a realistic next step and gave us…

How Gorges Beer Co. Refinanced High-Cost Debt with the SBA 504 and TMC Financing

“Refinancing with the SBA 504 program and TMC has given us breathing room,” explains Travis Preece, owner of Gorges Beer Co., which has locations in Portland and Cascade Locks, OR….

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…

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