Yes—but it’s extremely rare and usually comes with strict conditions. Commercial loans typically require a down payment, often 20–30%, because lenders see commercial properties as higher risk than residential ones.
However, zero-down or low-down options might be possible in certain scenarios:
- Seller Financing – The seller of the property may agree to finance the purchase without a down payment.
- Partnerships or Investors – If you bring in partners or investors who provide the capital, the bank may fund the rest.
- Government Programs – Some programs, like SBA 7(a) loans in the U.S., may allow low or no down payment for small businesses, though SBA loans usually still require some equity.
- Leverage Other Properties – Using equity in other properties as collateral may reduce or eliminate your cash requirement.
⚠️ Reality check: Even if you technically get a zero-down commercial loan, lenders usually offset the risk with higher interest rates, stricter terms, or personal guarantees. So “zero down” often isn’t free money—it just shifts the risk elsewhere.
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Can I buy commercial property with zero down?