Most business owners assume buying commercial real estate requires 25-30% down and perfect credit. The SBA 504 program says otherwise—10% down, 25-year fixed rates, and no lien on your home.

In this episode, I talk with Kirk from TMC Financing about how the program actually works, who it's designed for (hint: not just big companies), and why the SBA views building ownership as job creation. We get into the qualification process, why your tax returns matter more than your FICO score, and how businesses that have been renting for years are often better candidates than they realize.

Recorded in 2022—rates have moved since then, but the strategy of converting rent into equity hasn't changed.