Commercial real estate & SBA resources, San Francisco
Own the space where you build your business
Asher helps business owners and investors identify and acquire commercial property throughout San Francisco, including office, flex, mixed-use and owner-user opportunities.
Asher McInerney, California DRE #01473144. Responsible Broker: Ground Matrix, Inc., California DRE #02041140.
Property Asher advises on
- OfficeSmall and mid-size office buildings and floors
- Flex and light industrialSpaces that combine office with production, storage or showroom use
- Mixed-use buildingsGround-floor commercial with residential or office above
- Commercial condominiumsOwning a unit within a larger commercial building
- Owner-user buildingsProperties suited to a single business occupying most of the space
How SBA financing can fit
For qualified owner-users, SBA financing may offer a path to ownership with a lower down payment than many conventional commercial loans.
Two main programs
The SBA 504 and 7(a) loan programs are the ones most often used to buy owner-occupied commercial property.
Built for owner-users
SBA real estate financing generally requires the business to occupy a majority of the property. Buildings held purely as investments typically use conventional commercial financing instead.
Eligibility is set by lenders
Programs, eligibility, terms and rates are determined by the lender and the SBA. An experienced SBA lending professional explains what applies to your business.
Asher does not provide SBA or other financing. He helps with the property and introduces qualified clients to independent SBA lending professionals. General information only, not financial advice.
From search to keys
Find the right property
Defining space, location and use, then identifying suitable buildings.
AsherEvaluate the opportunity
Condition, layout, zoning considerations and what the space will cost to make work.
AsherConnect with an SBA lender
An introduction to an experienced SBA lending professional, who explains programs and eligibility.
Independent lenderCoordinate due diligence
Inspections, reports and the lender's requirements, kept on schedule.
Asher, with the lenderNegotiate and close
Price and terms negotiated on your behalf, through to closing.
Asher
Owning or leasing: what owner-users weigh
There's no universal answer. These are the questions Asher works through with you, alongside your accountant and lender.
Reasons to own
- Control over the space and how it changes
- Predictable occupancy costs over time
- Building equity instead of paying rent
Reasons to keep leasing
- Flexibility to move or resize
- Capital kept in the business
- No responsibility for the building itself
Common questions
- Do you provide SBA loans?
- No. Asher helps with the real estate side of a commercial acquisition and introduces qualified owner-users to experienced SBA lending professionals.
- Can investors use SBA financing?
- SBA real estate programs are designed for businesses that occupy their property. Investment properties are typically financed conventionally, and Asher can advise on the property side of either.
- Do you help with commercial leasing?
- Asher's experience includes commercial leasing. Tell him about your situation and he'll explain how he can help.
Explore commercial ownership
Share what your business needs. Asher will reply personally and, if SBA financing may fit, explain the next step.