Vista Group · Commercial Services
Owner/User
Guidance for business owners buying the space they'll actually occupy and operate from.
— What We Offer
Own the Space You Operate From.
01
Buying an Owner/User Property
Finding and evaluating space suited to your business's operations, layout, and growth plans.
02
Owner/User Financing
Understanding financing paths — including SBA 504 and 7(a) programs — built for owner-occupied purchases.
03
Selling When You Outgrow It
Positioning and marketing your property when it's time to move into a bigger space.
— How It Works
A Clear Path to Owning Your Space.
Needs Assessment
We define the layout, location, and growth room your business actually needs.
Property Search
Access to available owner-user inventory and off-market opportunities across the Valley.
Financing & Negotiation
Connecting you with lenders experienced in owner-user and SBA financing, then negotiating terms.
Closing & Move-In
Coordination through closing so your business is operating on schedule.
— Why Vista Group
Commercial expertise backed by real Arizona transaction data.
200+
Transactions Closed
$100M+
Transaction Volume
Guild Elite
Luxury Specialist
Founder & CEO
Vista Group
— Common Questions
Owner/User FAQ
What does "owner/user" mean?
It means your business will occupy the majority of the property, rather than leasing it out to tenants — that distinction opens up financing options that aren't available to pure investors.
What is SBA 504 or 7(a) financing?
Both are government-backed loan programs designed for owner-occupied commercial purchases, often with lower down payments than conventional financing — a lender can confirm current terms and whether you qualify.
How much of the space do I need to occupy?
SBA programs generally require the business to occupy a majority of the space, with specific thresholds depending on the loan type — we'll walk through what applies to your purchase.
What happens if my business outgrows the space?
Many owner/users eventually sell or lease out the original property once they've moved into something larger — we can help plan that exit when the time comes.
Ready to Buy the Space You Operate From?
Let's talk through your business's needs and what financing options fit.
Schedule a Consultation