FINANCING FOR ALL YOUR BUSINESS PROPERTY NEEDS

OWNER-USER FINANCING

OUR EXPERIENCED TEAM CAN HELP YOU CLOSE

Owner-user financing is for borrowers whose business occupies the building they own, or who want to purchase a building in which to operate their business. This type of financing can be used to purchase, refinance, or secure funds for construction or tenant improvements. 

With access to more than 150 lending sources including banks, credit unions, agency lenders, and private lenders, Pacific Shore Capital can help you secure the most aggressive financing options available. To explore owner-user financing options, call us now at 619-220-0333.

HELPING YOU NAVIGATE OWNER-USER FINANCING

Finding the right lending solution can be challenging, especially with the unique nature of owner-user financing: In order to close, both the business and the business owner must qualify for the loan, and the property is used as collateral. Most lenders also require borrowers to have positive net cash flow for the past 2 to 3 years, and require that the borrower occupy at least 51% of the gross-rentable space.

It’s a lot to navigate! The good news is that when you work with a broker like Pacific Shore Capital you get a team of experts who know how to position your business and property to obtain the exact right financing solution for your needs. And because of our lender relationships and transaction volume, you’ll get more aggressive terms with us than you’d find elsewhere.

With PSC, you get more than just a loan; you get expert guidance and an invested team that help make your short and long-term goals a reality.

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WHY CHOOSE PACIFIC SHORE CAPTIAL?

Whether you are a seasoned investor, a brand new investor, or anything in between, PSC is your resource for the most competitive private money financing solutions. 

Here’s what you get when you work with us to secure your next deal:

Flexible terms such as:

  • Purchase, rate, and term refinance and cash-out refinance available
  • Up to 25 year fixed available
  • 20 to 25 year amortization
  • Up to 90% LTV
  • Tenant improvements can be included

Leverage from long-standing lender relationships and a high transaction volume, giving you access to even the most aggressive terms.

A streamlined process that takes your short and long-term goals into account and allows you to stay focused on your business while we take care of the details.

“Mitch and Krystle found the perfect loan for me… closed it in a timely manner. Everything just went right on the way they said it would be!”

ALEX

Investor

HOW WE WORK FOR YOU: OWNER-USER LENDING SOLUTIONS

With owner-user financing, both your business and you, as the business owner, will be under scrutiny. In addition, lenders typically have specific requirements around collateral, cash flow, and occupancy of the building. Let us help you navigate these specific terms and get the best deal possible. Here’s our streamlined process:

Here’s what you get when you work with us to secure your next deal:

STEP 1

Call for a Quote

When you call Pacific Shore Capital for a quote, we will begin with a detailed discussion about the property and your business: What does your business do and where are you located? What are your short and long-term goals? 

STEP 2

Review an In-Depth Analysis

Next, you’ll provide us with some important documents to run an in-depth cash flow analysis, which we then send on to a lender who fits your specific needs. With our attention to detail, this process serves as a kind of pre-approval.

STEP 3

Obtain Financing

At this point, it’s a bit of a waiting game while the lender pours over every detail. But once it has been pre-underwritten, you’re typically approved pending an appraisal and able to quickly and easily wrap up the closing process! 

“Our financing deal was not easy, probably due to COVID and the over-anxious underwriters! But this group was responsive, I rarely left messages; when I did, I’d get a return call immediately. They worked some magic with lenders to smooth out some rocky roads to financing. Well done!”

RANDALL KRAUSE

“One of my favorite parts of working with [them] was their great communication and responsiveness.”

GINA MOSS

Investor

MEET THE PCS TEAM

Led by the savvy Krystle Moore and fortified by the skillful Mitch Pringer, our small but extremely talented team is the reason Pacific Shore Capital has been called, “the best kept secret in commercial finance.”

Krystle has been working in commercial/multifamily financing for nearly two decades; her knowledge of the city and the industry, as well as her deepy cultivated connections in the field, allow her to provide the distinctly customized commercial financing services that she is now known for.

Mitch has about 13 years in commercial loan financing, as well as experience in mortgage banking and originating. This gives him a deep understanding of the financing processes and allows him to expertly guide clients on their short- and long-term investing decisions.

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