A manager goes over terms for an Owner Occupied Loan.

Owner Occupied Real Estate Loan

Fuel your business growth with a fast and flexible Business Line of Credit.

Owner Occupied Real Estate Loans offer flexible financing to purchase, remodel, expand, or refinance your commercial space. Loans start at $100,000 and you can expect a simple application process and fast approval.
As low as 6.50%* APR on an Owner-Occupied Real Estate Loan**
Eligible properties include – Office space, Warehouses, retail space, and more. For FL residents only. Must be in business for a minimum of 3 years.
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Benefits of an Owner Occupied Real Estate Loan**

Flexible Terms

Flexible loan term options to fit your business and lending option that fits your business, terms requirements, and payment preference1.

Tailored Amortization

Tailored amortization schedules to meet your business’s cash flow needs.

Simple and Fast

Simple application process and fast approval.

Dedicated Business Banking Team

Our experienced loan experts will walk you through the entire process and will work with you to provide solutions to make your business dreams a reality.

Own Your Workspace

Build equity with every mortgage payment and asset appreciation increases value.

Financing That Grows With You

Get the right credit limit for your business size at any stage.

Owner Occupied Real Estate Loan**

A property owner goes over construction plans with the architect.

Countless Ways to Help Ensure your Business Succeeds

  • We want to ensure your business succeeds and continues to grow by matching you with a lending option that fits your business, terms requirements, and payment preference1


  • Our experienced loan experts will walk you through the entire process and will work with you to provide solutions to make your business dreams a reality.

Eligible properties include:



Office Space



Warehouse



Retail Space

What an OORE Loan Can Do for You

With an Amerant Owner-Occupied Real Estate Loan, business owners can purchase their workspace and enjoy the full benefits of ownership.


Watch the video to learn how Amerant’s commercial real estate team of experts and resources can facilitate the process.

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Questions You May Have About OORE

An Owner Occupied Real Estate Loan can be used to purchase, remodel, expand, or refinance a commercial space.

  • Last 2 years’ business tax returns
  • Previous years personal tax returns
  • YTD Profit & Loss and Balance Sheet
  • Purchase contract
  • Last 3-month statement to source down payment

For a full list of documents, speak to a business banker today.

  • 15% minimum down payment
  • Needs to cash flow at a minimum of 1.10 DSC
  • Property needs to be in Florida

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Bank Representative

We’re here to help you grow. Fill out the form and we will connect you with the right person.

* The Annual Percentage Rate (APR) for an Owner-Occupied Real Estate Loan is fixed and is based on the applicable (5, 10 or 15 year) Treasury Rate , plus a margin. The loan must be a minimum of $100,000. Your APR may vary based on credit history, property type, occupancy, lien position, loan amount and other factors. At no time will the APR exceed 18%. Rates and programs are subject to change without notice. Contact us for current rates.

** Offer applies to a 10 or 15 year fixed rate loan. Offer also applies to the 10 year loan repricing at year 5 to the then 5 year Treasury Rate plus Bank margin. At repricing date Bank margin does not change from margin applied for year one through five. Amortization period for all terms is 25 years. A balloon payment may apply at the end of the loan term. To receive this offer, loans require opening and maintaining an Amerant Business Checking, Business Checking Plus or Business Interest Checking Account. Auto debit for the monthly loan payment required from an Amerant account. Offer is based on credit parameters and qualification criteria for Amerant Bank’s Owner Occupied loan program, where Amerant Bank holds a first lien position. Offer effective as of 4/18/2025. Offer and Program Terms are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as a commitment or offer to lend. Loan is secured by the real estate you are financing. Ask us about additional rates and margins that may apply. All loans are subject to credit and property approval. Other restrictions, limitations and fees may apply. Property must be located within Amerant Bank’s designated areas in Florida; speak to a banking specialist for details. An origination fee of 0.50% will be applied.

1 In the event of a pre-payment, in whole or in part, a pre-payment penalty (“penalty”) will be assessed as follows: (1) Before the 1st-anniversary date of the loan, the penalty will equal 3% of the principal amount prepaid; (2) before the 2nd-anniversary date of the loan, the penalty will equal 2% of the principal amount prepaid; (3) before the 3rd anniversary date of the loan, the penalty will equal 1% of the principal amount prepaid. Prepayment penalty will not apply if the prepayment occurs after the 3rd-anniversary date.

USA PATRIOT Act

To help the government fight the funding of terrorism and money laundering activities, the Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What does this mean for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.

Know Your Customer

Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.