Commercial Loans for Business Owners
Your business and your real estate are one financial picture. We finance them that way.
You run a business, and real estate is part of how you’re building, whether the property houses your operations or stands as a venture of its own.
Both sides are tangled together. One set of entities. Personal guarantees that reach across all of them. A tax return that takes a lender real work to read. A decision on one side lands on the other, which is how a loan on the building ends up limiting what you can borrow for the business a year later.
What you need is a partner who looks at the whole structure before anything gets signed: which entity borrows, what gets pledged, and what each loan does to your capacity for the next one. Not two separate deals that happen to share your name.
That’s the firm we built.
$491K in. Roughly $5M in equity out.
Deal Card
Project
65-unit multifamily, Pasco WA
Loan
$9.7M construction-to-permanent
Total Cost
$12.2M
Cash-In
~$491K
Result
~$5M equity gain + ~$250K/year income
This is what a properly structured deal looks like. Modest cash in, a lender who understood the project, and terms built so the borrowing entity carried the deal without dragging on anything else the owner had going.
Why Business Owners Work with Us
We Know the Other Side of the Table
The people handling your financing used to sit on the credit committees that approve commercial loans. Our founder, Matt Russell, spent his career as a CFO inside commercial lending, and the team came from the same side. We know how a lender reads a business and its real estate together, because we used to be the ones reading them.
The Right Lender—Fast!
We know more than 300 lenders, and we know what each one funds, what terms they offer, and which deals they turn down. Some will lend against your property but won’t touch the operating company. Some will do both. We know which is which, so your deal goes straight to the few most likely to say yes, with backups lined up from the start.
We Make Complicated Simple
Your business and your property live in one financial picture: multiple entities, layered guarantees, add-backs and depreciation that most lenders read as risk simply because they don’t understand it. We untangle it, and because we’ve underwritten structures like yours from the inside, we build your file into a Placement Package a credit committee can approve without alteration or delay.
“AAI Financial has been invaluable to my business needs. Matt Russell’s knowledge of financial products and network of lenders is second to none. AAI Financial has procured and closed multiple loans for me with expediency and expertise. I can’t recommend this group highly enough.”
Justin Copeland
What we do for
Business Owners
Your business and your real estate aren’t separate, so we don’t finance them separately. Whether you’re buying the building you operate from, acquiring a competitor, funding equipment, or pulling equity out of a property to put cash back into the company, we structure each loan with the full picture in view: which entity borrows, what gets guaranteed, and what it does to your terms on the next deal. Your business gets funded without your real estate paying for it, and the other way around.
Commercial Loans That Fit Your Goals
SBA Loans
Owner-occupied real estate and business acquisition
Commercial Real Estate
Buying or refinancing the building you operate from
Business Acquisition
Buying a competitor, a supplier, or a partner’s share
Equipment Financing
Financing the equipment your business runs on
Working Capital
Lines of credit for payroll, inventory, and bigger jobs
Refinancing
Lower your rate or pull equity out of what you already own
Don’t see your loan type? See everything we place, across every industry we serve.
Ready to Fund Your Next Move?
Tell us what you’re working on: a building, an acquisition, equipment, or cash flow. We’ll tell you how to fund it, which lenders fit, how to structure it, and what it does to the rest of your balance sheet. No cost to find out.