For owner-operators
Owner-operators finance the property their business will occupy
An owner-operator describes the property their business will occupy in a 5-minute submit, and that single file is screened against 20,000+ loan programs, including SBA and conventional owner-occupied structures. Most deals come back with 5–8 matches across those programs, and the median offer in under an hour, from an institutional lender. It is Zero upfront to submit and compare offers before moving the business in.
- 20,000+loan programs for owner-occupied purchases
- 5–8matches on a typical purchase
- Zero upfrontto submit and compare offers
- 1 hourmedian first offer
What does an owner-operator actually get?
An owner-operator gets terms sized to the business’s operating history and the property it will occupy, rather than a single bank’s narrow box. The business financials and the property details are packaged into a credit narrative before a lender sees the file.
YieldStack is a commercial mortgage brokerage, not a lender. The leverage, the amortization and the credit decision sit with the lenders competing for the file. What runs behind the scenes is the process that gets several of them looking at the same business at once.
How does the process work for an owner-occupied purchase?
You describe the deal once, in a 5-minute submit, and that single file is screened against 20,000+ loan programs. Most deals come back with 5–8 matches across those programs, and the median offer in under an hour, from an institutional lender. A human deal team reads the offers with the owner and negotiates the terms through closing.
SBA, conventional and commercial programs are all screened from the same submission, so an operator unsure which structure fits does not have to guess before starting.
What does it cost?
It costs Zero upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing.
There is no charge to see what the market will offer on the property. If no offer is worth taking, the deal does not close and no fee is owed.
What happens to my information?
Deals stay anonymous to lenders before a letter of intent, so an owner-operator compares offers without the business’s name or financials circulating the market ahead of a decision.
The pre-screen runs the checks a lender’s own first pass would run, on the business, the property and the sponsor, so the file arrives explained rather than rejected by an automated pass.
Frequently Asked Questions
Does my business need a long operating history to qualify?
Operating history is one factor among several. The pre-screen reads the business financials and the property together rather than applying a single cutoff.
Can I finance the building and working capital together?
Real estate and business financing are described separately in the submission, and lenders quote terms on the property while noting how the business uses the space.
Is SBA financing considered alongside conventional options?
Yes. SBA and conventional owner-occupied programs are screened from the same submission, and the fit comes back with the offers rather than being decided up front.
How long does it take to see offers?
The median offer in under an hour, from an institutional lender. A 5-minute submit is enough for the file to reach the programs built for owner-occupied purchases.
Does my business identity reach lenders before I choose an offer?
No. Deals stay anonymous before a letter of intent, so an owner-operator compares offers without the business name circulating first.
What happens after I choose a lender?
A human deal team negotiates the terms and stays on the file through closing. The lender underwrites the deal and makes the credit decision.
Is YieldStack a lender?
No. YieldStack is a commercial mortgage brokerage, not a lender. Every term sheet comes from a lender in the network and is subject to that lender's underwriting.
Does it cost anything to see terms?
No. It costs Zero upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing.
Is financing guaranteed?
No. Every credit decision is made by the lender; YieldStack arranges the introductions and negotiates on the borrower's side, and no loan, rate, or closing is guaranteed.
Where does YieldStack operate?
Nationwide. YieldStack arranges commercial real estate financing nationwide. Every deal is business-purpose commercial financing, and the broker fee is paid only at closing.
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YieldStack is a commercial mortgage brokerage, not a lender.