Owner Occupied Business Purpose Loans
At Lantzman Lending, we specialize in Owner Occupied Business Purpose Hard Money Loans for homeowners who want to leverage the equity in their primary residence to access fast, flexible capital for business or investment purpose. These loans are specifically structured for business purposes—whether you need funds for working capital, business expansion, payroll, inventory, equipment purchases, debt consolidation, or investment opportunities. Unlike many lenders in the private money space, we proudly offer both 1st and 2nd mortgage options secured by owner-occupied properties, giving business owners access to fast financing solutions that traditional banks often won’t provide.
Rates Starting at 8%
1st and 2nd liens
Asset/Equity based loans
Loan Terms from 12-36 months
Up to 70% of Value
Loan Amount $50k up to $5M
What is an owner occupied business purpose loan?
An Owner Occupied Business Purpose Loan is a type of hard money or private money loan where a borrower uses their primary residence as collateral to obtain financing for a business-related purpose. Unlike traditional consumer mortgages, these loans are specifically intended to fund business activities—not personal, family, or household expenses. Common uses include working capital, business expansion, purchasing equipment, paying off business debt, investing in real estate, or covering operational expenses.
Who is this loan product right for?
What makes these loans unique is that they are secured by an owner-occupied property and built to help business owners and investors access quick cash. Many private lenders avoid these loans, but at Lantzman Lending, we specialize in these types of loans and make the process much easier than most lenders in the space. In most cases you can have the funds you need in 10 days or less.
- Self-employed borrowers that need cash for their business
- Business owners looking to expand
- Entrepreneurs that have a need for funds for investment
- Qualified borrowers who need fast access to capital
- Clients who may not qualify through conventional banks
The key factor is that the funds must be used for a legitimate business purpose, which is documented during the loan process through a business purpose affidavit or supporting documentation.
Want to get a quote on an owner occupied business or investment purpose loans?
The terms were fair, transparent, and not sketchy — which is rare in this space.
We’ve been working with a lot of lenders lately as we grow our real estate portfolio, and it’s usually an exhausting experience. Overpromising, underdelivering, bait-and-switch tactics, poor communication — you name it. To the point where we joke that “all lenders are liars.”
Lantzman Lending was the complete opposite. Professional, honest, efficient, and truly aligned with our success. That combination is incredibly hard to find.
If you’re an investor looking for a lender who actually does what they say they’re going to do, and does it well — Lantzman Lending is one of the very few I would confidently recommend.
I contacted Landzman. After a few hours they gave me the thumbs up that I could put in the offer. Deal done. Thanks Landzman
Why Choose Our Owner occupied business purpose loan?
Time is of the essence in real estate investments. Our streamlined process ensures:
- Same-day approvals once we receive the application and supporting documents: Quick decision-making to seize opportunities.
- Funding within 5–10 business days: Ensuring that you can access your equity quickly when business calls
We offer flexible terms to suit diverse investment needs:
- Loan Amounts: Ranging from $50,000 to $5 million.
- Loan-to-Value (LTV): Up to 70% of the purchase price.
- Interest Rates: Starting at 8.99% to 12%
- No Pre Payment Penalties or Minimum Interest
- Loan Terms: Typically 12 to 36 months, with extensions available
Our services span the entire state, including:
- California
- Nevada
- Idaho
- Texas
We understand that each project is unique. Our loan programs cater to various scenarios:
- Property Types: Single-family homes, multi-family units, condos, townhouses.
- Loan Types: 1st and 2nd position loans
- Asset based lending w/ no income verification
- No Appraisals
The Fix and Flip Loan Process
Step 1:
Contact us by phone or email
Provide details about the property and your business purpose
Step 2:
Loan Evaluation & Quote
Our team assesses the property's current value and sends out a quote & application
Step 3:
Apply & get approved
Fill our easy application with limited information & provide a few documents that allows our team to quickly evaluate get you a approved as fast as 24 hours.
Step 4:
We Get your loan close Quickly
Once your loan is approved, our team will reach out to escrow and get a settlement statement and prelim title report. We can have your loan documents out for signing as fast.
FREQUENTLY ASKED QUESTIONS
We don’t have a minimum credit score. We take into account your overall scenario and conduct a soft credit check. We evaluate the overall scenario and not just your fico.
We fund all types of businesses and investments. The key here is that it must be a legitimate business purpose. It cannot be used for consumer or household purposes.
Some examples of investment/business purposes might be:
- Rental property maintenance
- Stocks, bonds, crypto investments
- Growing or maintaining a business
- Business expansion or opening a new location
- Working capital for day-to-day operations
- Purchasing inventory or supplies
- Equipment or machinery purchases
- Hiring employees or covering payroll expenses
- Marketing and advertising campaigns
- Paying off high-interest business debt
- Business tax obligations
- Real estate investment purchases
- Down payments for investment properties
- Partner buyouts or business acquisitions
- Cash flow gaps during seasonal slowdowns
- Renovations or tenant improvements for a business property
- Funding a startup or new business venture
- Paying contractors or vendors
- Expanding an e-commerce or online business
- Franchise purchase or expansion
- Emergency business expenses or unexpected opportunities
We can close as fast and escrow and title can get us a prelim title report and estimated settlement statement. We are a direct lender and we have funds available. We don’t look for individual investors for each loan as funds are needed. This means we are there for you when you find the right deal and we can close quickly to help you make aggressive offers.
We conduct an in house valuation that involves gathering a photos and a scope of work for renovations that can be completed quickly. Often times we can complete our valuation process in 24 hours or less once we have your application and supporting documents.
First and foremost, we take into account the property value and the business/investment purpose. Then we do look at your credit with a soft inquiry, but we are flexible with credit scores with other factors to offset lower credit scores.
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Let us help you with your short terms investment or business needs
Our commitment is to provide financing solutions that are fast, flexible, and tailored to your needs. With extensive experience in investment real estate lending, we are your trusted partner in achieving investment success or accessing your equity.
