This area is becoming more popular for people who maintain a business in their home -- or who desire to start a business in their home -- such as adult, child and foster care, bed and breakfast, hair styling, travel agencies, and many other businesses suitable for a home location.

As a business owner, you should know there are new programs --changing every month -- which could help you lower your monthly payment and improve your cash flow dramatically. This could change red ink to black ink for a business!

Do you need to generate immediate cash flow from your business? There are now loans available which require you to fill out just a single-page loan form for up to $50,000!

There are many advantages to an owner-occupied business: One property payment instead of two; no commute time; availability to your family even when you are "at work;" your home helps pay for itself; being your own boss; tax advantages; and many more benefits that are making this an attractive option to an ever-growing number of people.

But there are significant challenges facing the individual or family operating, or desiring to operate, an owner-occupied business.

Many lenders will shy away from this type of loan, or charge you very high commercial rates.

I know the lenders who will continue to treat your loan as "straight residential," or as "mixed use," and so are able to charge much lower rates.

Whether you already operate an owner-occupied business -- or it's been your dream -- call me today to see if we can improve your financial situation, get you needed capital, or help you get your new business off the ground. You may also want to check the information contained in my page on business financing and refinancing, which sometimes does not require property as collateral.

Please call 503-705-9283 for a NO OBLIGATION consultation.