Whether you're buying the building your business operates from or adding an investment property to your portfolio, we structure financing around how the property fits your business or investment goals.
How It Works
Your purchase journey, simplified
01
Apply online
Tell us about your business and your financing needs — takes about 3 minutes.
02
Team review
A commercial financing specialist reviews your file and explores your options.
03
Options & match
We match you with the best lenders and structures for your exact situation.
04
Approval & next steps
Get approved and move forward with confidence, guided the whole way.
What You'll Need
Documents to have ready
Exact requirements vary by lender and file — your commercial specialist will confirm the full list once we know your situation.
Common Questions
Purchase FAQ
How much down payment is required for a commercial purchase?
Typically 20–35%, depending on the property type and whether it's owner-occupied or an investment.
Can I finance an owner-occupied and investment property the same way?
Lenders treat them differently — owner-occupied properties often qualify for better rates and lower down payments than pure investment purchases.
How long does commercial purchase financing take?
Typically 4–8 weeks from application to funding, longer than residential due to additional underwriting (appraisals, environmental review, business financials).
Do I need a business plan to qualify?
Not always, but lenders will want to see your business financials and understand how the property fits your operations or investment strategy.
General information only — your specific numbers depend on your file. A commercial financing specialist will confirm exact details for your situation.
Get Started
Request commercial financing
Welcome
Let's scope out your financing
A few quick questions about your business and the property, then a commercial financing specialist will follow up personally — no obligation.
Equity Mortgage Solutions is not a bank — rates, terms, and lender fit vary by file. Submitting this form is not a guarantee of approval or financing.
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