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BUSINESS FINANCING GLOSSARY

Owner-Occupied

Commercial property where the operating business occupies the majority of the space. It unlocks SBA 504 and better CRE terms.

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Related terms

Bridge Loan→Short-term financing that “bridges” a gap until a longer-term solution or expected cash arrives — e.g. funding a property purchase before a sale closes.Cap Rate (Capitalization Rate)→A property’s net operating income divided by its value, as a percentage. CRE lenders use it to gauge return and risk.Commercial Real Estate (CRE) Loan→Financing to buy, build, or refinance income-producing or owner-occupied commercial property. Structures range from SBA 504 to bridge and hard-money.

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