Owner-Occupied Loans


Save on your bottom line

Owner-occupied financing from Capital City Bank offers competitive, long-term fixed rates on loan amounts between $15,000 and $2,500,000. An owner-occupied loan is secured by real estate and brings several advantages including increased equity and tax benefits. It is ideal for: 
  • Businesses that occupy 51% or more of the property being financed
  • Renovating or making improvements on a commercial property you own 
  • Purchasing property to house your business
Contact us at 888.671.0400 to connect with a dedicated banker and business lending expert to help meet your financing needs and business goals.

What are your business financing needs?

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Business Banking Loans

Flexible and versatile financing to meet a variety of business needs.

Receivables Financing

A smart solution for businesses experiencing cash-flow shortages.
condo complex

Commercial Real Estate

Finance your purchase, expansion or investment involving property.

Asset Based Lending

Leverage the value of your current assets to achieve long-term goals.
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Equipment Financing

Low fixed rates and fast approvals for new and used equipment.
man in field around construction

Construction Loans

Roll your loan and permanent mortgage into one easy transaction.
Important Information:
All loans are subject to credit approval and property approval, if applicable. Excludes refinancing of existing loans made to applicant by Capital City Bank. Program terms and conditions subject to change without notice. Other restrictions and limitations may apply. Ask a banker for complete details.