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SBA Commercial Financing for Owner Occupied Real Estate

SBA 504 Program:

The SBA 504 loan is  designed specifically to finance fixed assets purchases such as a new building or a large piece of equipment. This loan program works as a partnership between the bank and an approved SBA lending partner licensed by  the Small Business Administration to provide a highly leveraged, competitively priced loan option to your small business.

Some highlights of the SBA 504 Loan Program include:

  • Down payment as low as 10% preserving vital working capital, 90% Loan to Cost.

  • Low fixed and variable rates available

  • Long-term, fully amortized loans with no balloon payments

  • Project amounts up to $5,000,000

  • Real estate must be 51% owner occupied for existing buildings and 60% owner occupied for proposed construction

Eligible Borrowers:

  • For-profit, non-publicly traded businesses.

  • Tangible business net worth

  • Average net income of the business not to exceed $3 million over the previous two years.

  • Personal liquidity of each principal/guarantor not to exceed the total project costs of the proposed 504 loan.

  • Ownership must be comprised of 51% U.S. citizens or resident aliens (Legal Permanent Residents).

SBA 7(a) Program:

SBA 7(a) loans can be used for nearly any legitimate long term business borrowing need. Examples of  typical loan uses include the purchase, construction or improvement of owner-user commercial real estate, business acquisition, business expansion, equipment purchase, debt refinance, working capital, and business  start up.

Some highlights of the SBA 7(a) Loan Program include:

  • Financing options unavailable under conventional terms

  • Long-term financing (up to 25 years)

  • Fully amortized loans with no balloon payments

  • Low down payment to conserve working capital

  • Loan amounts up to $2,000,000

  • Quick approvals and closings.


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