I help businesses finance their
Nick Repertorio
Nationwide Direct Lender
Navy Veteran · Retired NJ State Trooper
What is owner-occupied commercial real estate?
Owner-occupied just means your business owns the building it works out of. Instead of paying a landlord, you put that money toward a mortgage and build equity in your own space.
Recent closings
$7,520,675
Medical practice|NY
$1,548,000
Aesthetics practice|NY
$1,540,000
Landscaping company|NJ
$675,000
Startup med spa|NJ
$535,000
Medical practice|PA
$500,000
Diner|NJ
$310,000
Car wash|VA
$176,250
Financial advisor|NJ
In their words
“I cannot recommend Nick enough. He was extremely knowledgeable and patient as my partner and I sent him offer after offer to crunch the numbers. If he did not have an answer, he did the research to get it right instead of making something up. Our experience was incredible. 6 out of 5 stars.”
“One of the most knowledgeable, competent, and reliable people I have done business with. He gave 100% clarity around getting much-needed funding for my business through the SBA and made what felt like an overwhelming task simple and straightforward.”
“Very much appreciated all the effort and due diligence Nick put in to obtain financing I never thought I would get. Very professional. Thank you.”
“Nick explained the entire loan process in great detail and laid out every step so I understood it with full transparency. Getting a loan can be complex, but the way he explains it makes the process smoother and gets results. Highly recommended.”
“I recently closed on an SBA loan. Nick was extremely knowledgeable, professional, and quick to answer my questions and calls. I highly recommend Nick for your SBA financing.”
Straight answers
On an SBA 7(a) loan, an established business can put as little as 0% down, and most deals land around 10%. The biggest factors are your time in business, your cash flow, and the equity you already have in the business.
All 50 states. I work with business owners nationwide.
Yes. I work for a bank and lend nationwide as a direct lender, so you work with the lender, not a broker.
The SBA 7(a) program goes up to $5M on its own, and can be paired with a 504 loan to reach about $10M in total financing.
680 is the standard minimum. Anything lower is not an automatic no. It just takes a few mitigating factors and a clear understanding of your story.
Yes. Expansions and larger buildings can be underwritten on projections, not just past results. Outgrowing your space should not have to wait on two more years of tax returns.
Yes. Ground-up construction and expanding your own facility are financeable, the same as buying an existing building.
In an existing building, your business occupies at least 51% and can lease the rest out to other tenants. For new construction, you occupy at least 60% from the start, with up to 20% leased long-term and another 20% short-term while you grow into the space.
Still have a question about your deal? Schedule a call and ask me directly.
Learn before you borrow
No gate, no email required. Plain-English guides, calculators, and a glossary so you walk in knowing what to expect.
Let’s talk about your deal
Bring me a building, a price, or just a question. I will give you an honest read on whether it works and what it takes. No pressure, no obligation.
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