🌟Owner User Loan

Commercial Real Estate

5% Down. More Flexibility. More Opportunity.

If you’ve been turned away by traditional lenders or think an SBA 504 loan is too restrictive, Adelante 95 may be your solution.

This powerful Owner/User Commercial Real Estate loan program is designed to help business owners purchase their own building — with flexibility that standard SBA or conventional financing often doesn’t allow.

🚀 Why Adelante 95?

1️⃣ No Minimum Credit Score Required

We evaluate credit case-by-case — not by a rigid number.

✔ Prior foreclosures allowed ✔ Short sales allowed

✔ Charge-offs allowed ✔ Judgments allowed

✔ With a strong letter of explanation and re-established credit

This program understands that business owners have real-world histories — and second chances matter.

2️⃣ Lower Occupancy Requirement – Only 40%

Unlike the traditional U.S. Small Business Administration 504 loan that requires 51% owner occupancy, Adelante 95 only requires:

👉 40% Owner/User Occupancy

This gives you more flexibility in property selection and income strategy.

3️⃣ Available in 45 States

This is not a small regional program. Adelante 95 is offered in 45 states nationwide, expanding opportunity for business owners across the country.

4️⃣ Only 5% Down Payment

Buy your commercial property with:

💰 5% Down📈 Loan amounts up to $5,000,000

Compared to the typical 10% minimum required for SBA 504, this program preserves your capital and keeps more money working inside your business.

5️⃣ Faster, More Efficient Process

Avoid the traditionally labor-intensive SBA process.

✔ Streamlined underwriting

✔ Less paperwork

✔ Faster decision-making

✔ More direct communication

Time kills deals — Adelante 95 moves faster.

📄 Term Sheet / Letter of Intent (LOI)

To issue soft terms or a Letter of Intent, we require:

• A full financial package

• Documentation for pre-underwriting

• Evaluation of overall loan viability

This ensures clarity upfront and a smooth path toward approval.

🎯 Who This Loan Is Perfect For

✔ First-time commercial real estate buyers

✔ Business owners currently leasing and ready to own

✔ Borrowers with past credit challenges

✔ Investors who need lower occupancy flexibility

✔ Buyers seeking an alternative to SBA 504

💼 Stop Renting. Start Building Equity.

The Adelante 95 Owner/User CRE Loan gives you:

• Low down payment

• Flexible underwriting

• Lower occupancy requirement

• Faster processing

• Real-world credit consideration

If you’re ready to explore your options, let’s review your financial package and determine viability.

📞 Take the Next Step

Request Soft Terms / LOI Today

Submit your financial package for pre-underwriting review and discover if Adelante 95 is the right fit for your commercial property purchase.

🔥 Ready to See If You Qualify?

Don’t let strict lending guidelines or past credit challenges stop you from owning your building.

The Adelante 95 Owner/User CRE Loan was built for business owners who are ready to move forward — not stay stuck.

📞 Call Now to Discuss Your Scenario

Speak directly about your property, your business, and your goals.

📞 Call: Anel at: 310-980-0170

📝 Submit the Contact Form Below

Provide your basic information and we will:

✔ Review your situation confidentially

✔ Outline potential loan viability

✔ Guide you on what financial documents to prepare

✔ Help you move toward soft terms / LOI

🚀 Take Control of Your Commercial Future

5% Down.40% Occupancy. Case-by-Case Credit Review. Up to $5 Million.

📲 Call Now and Submit the Form Below to Get Started.

Opportunities don’t wait — and neither should you.