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Eligible Tier II Properties Tier I | Tier II | Tier III | Tier IV

Bed and Breakfast
Bed and breakfast inns are residential-type buildings designed for transient boarding and are family-style in character. B&B inns are usually one structure but some may include an adjacent guest cottage with similar quality amenities as the main unit. Owner operators live on-site, usually within the main building.

Light Industrial
Light industrial is characterized by a small-size facility where no heavy manufacturing or specialized industrial process takes place. Office space within light industrial ranges from 3% to 25% of the total area. Buildings must include sufficient plumbing and lighting to accommodate personnel. Common uses found in light industrial properties may include: cabinet making, assembly processes, home service industries, etc. Absent from these properties is any type of heavy machinery, welding operations, cranes or hazardous materials.

Mixed-use properties must contain at least one commercial unit (retail, office etc.) and at least one residential unit. If the primary use at the property is for commercial purposes, the property will fall under our mixed-use Tier 2 guidelines. The mixed-use property type can be classified in any tier depending on the percentage of the multi-family component and the type of commercial use.

Mobile Home Park
Mobile home parks are considered as long as not more than 25% of the total spaces are used for RVs. Mobile home parks vary in quality and amenities and all will be considered unless the RV component is too high.

Office buildings are buildings designed for general commercial occupancy and are normally subdivided into smaller units. Office use implies a general business use that does not include retail, manufacturing, or warehouse type operations.

Retail buildings are designed for retail sales and display and usually have display or decorative fronts. This retail classification encompasses a wide variety of uses including, but not limited to: markets, convenience stores, drugstores, department stores, big box retailers, barber shops, laundromats, etc.

Self Storage
Mini-warehouses are warehouses subdivided into a mixture of cubicles of generally small size, designed primarily to be rented for small self-storage or non-commercial storage and may include some office/living space.

Warehouse buildings are designed primarily for storage purposes. An amount of office space included is usually commensurate with the quality of the building but typically rages from 3% to 12% of the total area. Plumbing and lighting are usually limited due to anticipated light personnel load. The design of the building usually includes a light frame with large open interior areas. Cold storage and transit warehouses (truck terminal) are included in this category.

Available Financing Based on Credit Scores for Tier II Properties

  • 90% financing for A credit borrowers (680+ middle credit score)
  • 85% financing for A- credit borrowers (679-640 middle credit score)
  • 70% financing for B credit borrowers (639-580 middle credit score)

Conner Affiliates, Inc.
Small Business Consulting
Commercial, Investment & Small Business Lending Experts

130 West Lancaster Ave.
Shillington, PA 19607
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Phone (610) 796-3130

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