Typically requires 10% down , but you can "bridge" that 10% using a seller standby note (though recent 2025 rules may require you to still contribute at least 5% from personal sources). 2. Creative Seller Financing
For business owners who plan to occupy the building (at least 51%), specific SBA programs offer high-leverage options. how to buy a commercial building with no money
You lease the building for a set period, with a portion of your rent going toward the eventual purchase price. 3. Equity Partnerships and "Sweat Equity" Typically requires 10% down , but you can