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What should you look out for before you buckle down and buy office space? Before planning out your wall art, first figure out whether you should buy or rent your office space.

If you’re confident that you want to hunker down and pay the big bucks for a piece of property, keep these five tips in mind:

Look into government assistance. The government’s Small Business Administration 504 loan plan allows business owners to pay a significantly reduced down payment on commercial real estate while still getting favorable loans. Most borrowers only have to pay 10 percent cash up front, as the SBA covers 40 percent of the loan and banks cover another 50 percent.

Consider financial limitations. Buying a location gives you flexibility in tailoring the space to your needs and can offer tax incentives to your small business. You may also be able to lease space to other small businesses. But all of this will require a fair amount of capital before you can see a return on your investment in increasing property value or rent. If you’re on a tighter budget, renting in the meantime may be a safer route while you save up for grand property plans.

Think about size. When it comes to buying office space, size matters. Growing out of a place you own can involve more upheaval than growing out of a leased space. Think about what you will do if your business and your space requirement grow over the next few years.

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