{"ok":true,"canonical_url":"https://dealroom.so/glossary/business-real-estate","api_url":"https://dealroom.so/api/public/glossary/business-real-estate","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"business-real-estate","term":"Business real estate","aka":"Owner-occupied commercial real estate","group":"Reading the business","definition":"Business real estate refers to the physical property where a business operates, such as an office building, warehouse, or retail space. Acquiring this alongside the business can offer stability and control.","what_it_means":"If the business owns its real estate, your 7(a) loan can often finance both the business and the property. Owning the real estate can be a significant asset, providing long-term equity and avoiding lease negotiations. You'll need an appraisal and potentially an environmental assessment to satisfy the lender and SBA requirements.","url":"https://dealroom.so/glossary/business-real-estate","official_sources":[{"slug":"13-cfr-part-120","title":"13 CFR Part 120 — Business Loans","official_url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120","official_label":"View on eCFR","authority_tier":1,"publisher":"Office of the Federal Register","source_guide_url":"https://dealroom.so/sba-7a/sources/13-cfr-part-120"},{"slug":"sop-50-10","title":"SOP 50 10 — Lender and Development Company Loan Programs","official_url":"https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs","official_label":"View on SBA.gov","authority_tier":2,"publisher":"U.S. Small Business Administration","source_guide_url":"https://dealroom.so/sba-7a/sources/sop-50-10"}],"related":[{"slug":"owner-occupied-commercial-real-estate","term":"Owner-occupied commercial real estate","url":"https://dealroom.so/glossary/owner-occupied-commercial-real-estate"},{"slug":"appraisal","term":"Appraisal","url":"https://dealroom.so/glossary/appraisal"},{"slug":"phase-i-environmental-site-assessment","term":"Phase I Environmental Site Assessment","url":"https://dealroom.so/glossary/phase-i-environmental-site-assessment"},{"slug":"tangible-business-property","term":"Tangible business property","url":"https://dealroom.so/glossary/tangible-business-property"}],"related_questions":[{"question":"If the business owns real estate, must the buyer also purchase the real estate with the business?","url":"https://dealroom.so/sba-7a/questions/if-the-business-owns-real-estate-must-the-buyer-also-purchase-the-real-estate-with-the-bus"},{"question":"What is the difference in repayment terms between real estate and non-real estate loans?","url":"https://dealroom.so/sba-loans/basics/what-is-the-difference-in-repayment-terms-between-real-estate-and-non-real-estate-loans"},{"question":"If I'm buying a business with real estate, can I get a longer term if the real estate is a significant portion?","url":"https://dealroom.so/sba-7a/questions/if-i-m-buying-a-business-with-real-estate-can-i-get-a-longer-term-if-the-real-estate-is-a-"},{"question":"What if the business real estate is owned separately by the seller?","url":"https://dealroom.so/sba-7a/questions/what-if-the-business-real-estate-is-owned-separately-by-the-seller"},{"question":"What happens if a business real estate is owned separately by the seller?","url":"https://dealroom.so/sba-7a/questions/what-happens-if-a-business-real-estate-is-owned-separately-by-the-seller"},{"question":"What if the acquired business's real estate has an environmental concern requiring remediation?","url":"https://dealroom.so/sba-7a/questions/what-if-the-acquired-business-s-real-estate-has-an-environmental-concern-requiring-remedia"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — Business real estate","url":"https://dealroom.so/glossary/business-real-estate","source_type":"DealRoom Data"}}