Owner-occupied CRE
Finance business-use real estate with a long-term structure designed around the property, borrower, and business occupancy profile.
Conventional Lending Program
BLC provides long-term permanent financing for investment and business owner-occupied commercial properties, including borrowers who may fall short of traditional bank or SBA underwriting because of FICO, DSCR, deposit relationship requirements, or other conventional lending constraints.
Permanent capital. Practical underwriting.
The Conventional Lending Program is built for borrowers who need permanent capital for commercial real estate, but do not fit neatly inside a traditional bank box.
BLC evaluates the property, the borrower profile, the operating picture, and the repayment capacity with a practical direct-lender lens — especially when the request involves investment property, owner-occupied real estate, refinance, or cash-out refinance.
Common conventional loan scenarios
BLC conventional loans are structured for commercial real estate borrowers who need a long-term financing solution and a lender that can look beyond one rigid underwriting metric — without requiring deposit relationships that restrict the borrower’s working capital.
Finance business-use real estate with a long-term structure designed around the property, borrower, and business occupancy profile.
Support investors seeking permanent debt for stabilized or financeable commercial properties across eligible asset classes.
Restructure existing debt, access equity, or improve the capital stack while staying in a long-term commercial mortgage structure.
Create another path for borrowers who fall short of traditional bank or SBA expectations because of FICO, DSCR, or other underwriting factors.
As a private non-bank lender, BLC does not require borrowers to maintain deposit balances that can tie up working capital and change the true cost of capital.
Give borrowers a defined five-year term with amortization available up to 25 years for longer-term ownership plans.
Program terms
Review the core structure before we discuss fit. If the property, borrower profile, repayment capacity, and use of proceeds support the request, BLC can move quickly to clarify the path forward.
Collateral coverage
The conventional program supports a broad range of investment and owner-occupied commercial real estate, including multi-use, multifamily, and select special-use property types.
Multi-use assets
Multifamily assets
Special-use assets
Borrower outcomes
Conventional CRE borrowers often need more than a term sheet. They need a lender that can provide practical solutions not always available through traditional banking channels.
Bank alternative
The program gives BLC room to evaluate borrowers who may miss traditional benchmarks but still have a viable commercial real estate financing request.
Permanent structure
A five-year term with amortization up to 25 years can be structured with an interest-only period before transitioning into principal-and-interest payments when the transaction needs flexibility.
Case studies
Use BLC case studies as the deeper proof layer for borrowers who want to understand how the team solves financing problems.
Execution process
Provide the property type, location, requested loan amount, cost basis, purchase or refinance objective, occupancy, and current financing picture.
The team evaluates the collateral, borrower profile, FICO, DSCR, use of proceeds, and realistic conventional loan structure.
Qualified borrowers receive clear next-step guidance for a long-term commercial mortgage that matches the transaction.
Discuss financing
Send the property details, requested loan amount, cost basis, use of proceeds, occupancy, and timing. BLC can help determine whether the Conventional Lending Program is the right path.
Conventional lending FAQs
It is a long-term permanent financing solution for investment and business owner-occupied commercial properties.
The program includes a five-year term with amortization available up to 25 years, subject to underwriting and final approval.
Yes. For qualifying transactions, BLC can creatively structure an interest-only period before the loan transitions into principal-and-interest payments, especially when the property or borrower plan needs time for stabilization or cash-flow alignment.
The published program requirements include a minimum 625 FICO score and a minimum 1.00:1 debt service coverage ratio.
Eligible properties include multi-use commercial assets, multifamily buildings of five units or more, and select special-use assets reviewed case by case.
Yes. Eligible uses of proceeds include purchase, refinance, and cash-out refinance of commercial real estate.
No. As a private non-bank lender, BLC does not require borrowers to maintain deposit balances as a condition of the loan, which can help preserve working capital for the business or investment strategy.