Independent broker · Not a direct lender
Put your real estate to work for your business.
I'm Meshesha Robel, a licensed Mortgage Agent Level 2 who brokers business financing secured by property, buying your business's building, refinancing it, or using commercial or residential equity as collateral. I don't lend money: I shop your file across banks, credit unions and commercial lenders and stay your single point of contact through funding.
Real estate-secured business financing I arrange
Property is often the strongest collateral a business or its owner has. Each loan is funded by a third-party lender; my job is to match the lender and structure to your business.
Buy your business property
Owner-occupied financing to purchase the unit or building your business operates from.
Learn moreRefinance business real estate
Release equity from property the business already owns to fund growth.
Learn moreProperty equity as collateral
Use commercial or personal residential equity to secure financing for the business.
Learn moreReal estate-secured bridge loans
Short-term funds secured by property while a sale or refinance closes.
Learn moreBroker vs. going direct to one lender for property-secured financing
| Factor | Business loan broker | Direct to one lender |
|---|---|---|
| Who funds the loan | A third-party lender (broker never funds) | That lender |
| Products compared | Several lender types at once | Only that lender's products |
| Point of contact | One broker throughout | Lender's account manager |
| If declined | File can be repositioned to other lender types | Start over elsewhere |
| Cost to you | Varies; any borrower fee disclosed in writing upfront | Lender fees only |
| Approval guarantee | None, lender decides | None, lender decides |
Broker, not lender. Meshesha Robel does not fund loans. Every loan is offered, approved and funded by a third-party lender under its own underwriting. Approval and terms are never guaranteed.
How it works, in five steps
- 01
Discovery call
We talk through your business, what the money is for, timing and what you've tried.
- 02
Property & readiness review
I review the property, its equity, existing charges, business financials and debt to gauge which lenders fit.
- 03
File packaging
I build a clear credit story and document package so lenders can say yes or no quickly.
- 04
Lender matching
I present to the lenders most likely to fit, and bring back the offers or feedback.
- 05
Compare & close
We compare total cost, covenants and flexibility. You choose; the lender funds.
Property-secured business loan calculator
Estimate a property-secured loan payment and see how it affects debt service coverage, the cash-flow ratio banks and credit unions check alongside loan-to-value.
Estimated monthly payment
$3,150
- Total interest
- $39,017
- Total repaid
- $189,017
- Debt service coverage (DSCR)
- 2.07×
- Cash left monthly
- $4,650
Comfortable
Illustration only, using a standard fully-amortizing formula. Real offers vary by lender, product, fees and your file. Many conventional lenders look for a DSCR of roughly 1.2× to 1.25× or higher, but criteria differ and are not guaranteed.
Common questions
What is real estate-secured business financing?
It is a loan or credit facility for a business purpose where the lender registers a mortgage or charge on commercial or residential property as security. Property backing can widen options compared with unsecured business credit, but terms always depend on the lender and the file.
Can my business get financing to buy the building it operates from?
Often, yes. Owner-occupied commercial financing is available from banks, credit unions, BDC, CSBFP participating lenders and alternative lenders. Lenders review the property, the down payment and the business's ability to service the mortgage.
Can I refinance business-owned property to fund my business?
Often, yes. An equity takeout refinance replaces the existing mortgage with a larger one and releases capital to the business, subject to appraisal, loan-to-value limits and cash-flow coverage.
Can I use my home equity to secure a business loan?
Many lenders allow a business owner to pledge residential equity through a refinance, second mortgage or secured line of credit. Your home is at risk if the business cannot repay, so get independent legal advice first.
One conversation. Many lenders.
Tell me about your business, the property involved and what the money is for. I'll explain which lender types realistically fit, no obligation.