Commercial Real Estate Financing

SBA 7A Real Estate Loans

Secure $300,000 to $5,000,000 for your owner-occupied commercial property with SBA 7A financing. Up to 100% financing with 25-year terms and competitive rates.

$300K - $5M

Loan amounts

Up to 100%

Financing available

25 Years

Fully amortizing

Prime + 2.5%

Competitive rates

Program Overview

The SBA 7A Real Estate Loan program helps business owners purchase, construct, or refinance owner-occupied commercial properties. With up to 100% financing and extended repayment terms, this program makes commercial property ownership more accessible for small businesses.

Key Benefits:

  • Up to 100% financing (typically 90%)
  • 25-year fully amortizing terms
  • Competitive interest rates
  • Limited prepayment penalties
  • No commercial real estate experience required
  • Projection-based approvals available
  • Fixed or variable rate options
  • SBA guarantee reduces lender risk

Loan Terms

  • Amounts:$300,000 – $5,000,000
  • Term Length:Up to 25 years
  • Interest Rate:Prime + 2.5%
  • Loan-to-Value:Up to 100% (typically 90%)
  • Prepayment:Limited penalties

Eligibility Requirements

  • 2+ years in business
  • 640+ credit score
  • $100K+ monthly revenue
  • Owner-occupied property
  • 1.20x+ DSCR
  • US Citizen or Legal Resident
  • No recent bankruptcies

Eligible Property Types

SBA 7A Real Estate Loans can be used for various owner-occupied commercial properties

Office Buildings

Professional offices, medical offices, and office condos

Retail Spaces

Storefronts, shopping centers, and retail condos

Industrial Properties

Warehouses, manufacturing facilities, and flex spaces

Mixed-Use Buildings

Combination of commercial and residential units

Special Purpose

Daycares, hotels, and other special use properties

Land & Construction

Ground-up construction on owned land

The SBA 7A Real Estate Loan Process

Our streamlined process makes commercial real estate financing straightforward

1

Pre-Qualification

Complete our quick pre-qualification form to determine your eligibility and loan amount

2

Documentation

Submit required financial documents and property information

3

Property Appraisal

SBA-required appraisal to determine property value

4

Underwriting

Our team reviews your application and issues a loan commitment

5

Closing

Sign final documents and fund your commercial property purchase or refinance

Required Documentation

To begin your SBA 7A Real Estate Loan application, please gather the following documents:

Business Documents

  • Business tax returns (3 years)
  • Year-to-date P&L and balance sheet
  • Business debt schedule
  • Business license/registration

Personal & Property Documents

  • Personal tax returns (3 years)
  • Personal financial statement
  • Purchase agreement (if applicable)
  • Property information (existing or proposed)

Ready to Finance Your Commercial Property?

Our SBA loan specialists are here to help you secure the perfect financing solution for your business real estate needs.

Have questions? Contact our real estate team for more information.