SBA Real Estate Financing

7(a) & 504 Commercial Property Loan Programs

Own the building. Control your future. Build long-term wealth.

SBA real estate financing has become one of the most powerful tools available for business owners looking to purchase, refinance, construct, or expand owner-occupied commercial property.

Whether you’re buying your first office, medical building, warehouse, retail space, or expanding into a larger facility, SBA financing can dramatically reduce the cash required while preserving working capital for growth.

Watch the Video Above to Learn:

✔️ The difference between SBA 7(a) and SBA 504 loans
✔️ Which program works best for owner-occupied commercial real estate
✔️ How low down payment structures work
✔️ What types of properties qualify
✔️ Why SBA loans can outperform conventional bank financing
✔️ Common mistakes business owners make during the approval process
✔️ How to structure your deal correctly from the beginning

SBA 7(a) Real Estate Loans

Flexible financing designed for business expansion and mixed-use needs.

The SBA 7(a) program is often the most versatile commercial financing option available. It allows business owners to finance real estate while also including working capital, equipment, renovations, furniture, inventory, and business acquisitions into one structure.

Common Uses for SBA 7(a)

Medical and dental office purchases

Retail and restaurant acquisitions

Office and warehouse properties

Business acquisitions with real estate

Renovations and tenant improvements

Refinancing existing business debt

Ground-up expansion projects

Why Borrowers Like SBA 7(a)

Lower down payments than conventional loans

Long amortizations help improve cash flow

Flexible property and business use

Can include working capital in the loan

Ideal for growing businesses needing flexibility

SBA 504 Real Estate Loans

Designed specifically for long-term commercial real estate ownership.

The SBA 504 program is one of the strongest owner-user commercial real estate loan products in the market today. It’s commonly used for larger real estate purchases, construction projects, manufacturing facilities, medical buildings, and owner-occupied investment properties.

Typical SBA 504 Structure

50% — Bank First Mortgage

40% — SBA / CDC Second Mortgage

10% — Borrower Down Payment

(Down payment requirements may vary depending on property type, business history, and occupancy.)

Common Uses for SBA 504

Owner-occupied office buildings

Industrial and warehouse facilities

Medical and professional office space

Manufacturing buildings

Ground-up construction

Equipment purchases tied to real estate

Long-term expansion facilities

Key Advantages of SBA 504

Low equity requirements

Below-market fixed-rate second lien financing

Long-term stability for business owners

Preserves liquidity and operating capital

Excellent for long-term real estate ownership strategies

Who Qualifies?

SBA real estate financing is designed for operating businesses—not passive investors.

Typical qualifying businesses include:

Medical & dental practices

Construction companies

Manufacturing businesses

Professional service firms

Restaurants & hospitality

Logistics & transportation companies

Retail operators

Growing local businesses

What Lenders Look For

Business cash flow

Global debt service coverage

Liquidity and reserves

Industry experience

Property occupancy requirements

Business and personal credit profile

Strength of the overall transaction structure

Why Structure Matters

The wrong loan structure can create unnecessary cash flow pressure, refinance risk, or expansion limitations later.

That’s why we focus heavily on:

✔️ Cash flow optimization
✔️ Long-term flexibility
✔️ Proper loan term selection
✔️ Future refinance strategy
✔️ Preserving liquidity and working capital
✔️ Matching the right lender to the right deal

Why Borrowers Work With Us

We help business owners think beyond simply “getting approved.”

We help structure transactions strategically from the beginning by:

Analyzing the full capital stack

Comparing SBA vs conventional financing

Structuring around growth goals

Avoiding unnecessary leverage traps

Identifying the best lender fit for the transaction

Creating long-term financing strategies—not short-term fixes

Get Pre-Qualified

If you’re considering purchasing, refinancing, or constructing owner-occupied commercial real estate, SBA financing may provide significantly more flexibility than conventional bank loans.

Let’s review your deal structure and explore the best options available.

👉 Start with a confidential financing review

No obligation. Strategic guidance. Real lending solutions.