Loan Product
SBA Loans: Long Term Capital for Owner Occupied Commercial Real Estate.
I broker SBA deals when real estate is part of the transaction. SBA 7(a) and SBA 504 loans are partly backed by the U.S. Small Business Administration. That backing lets my lenders offer terms most banks could never match on their own. Longer terms. Lower equity injection. The catch on my side is simple. Real estate has to be in the deal. I do not do SBA working capital, equipment only loans, or pure business buyouts. The bench includes the largest SBA preferred lenders in the country, the top non bank SBA shops, the major bank SBA desks, and regional 504 CDCs.
What I Broker
- Buying a commercial building for your business to occupy
- Constructing a new owner occupied commercial property
- Refinancing existing commercial real estate
- Buying a business that includes the real estate
- Hospitality real estate purchase or build out (with the property)
- Self storage acquisition and ground up
- Senior living and assisted living owner occupied
- Franchise real estate purchase
- USDA B&I where real estate is in the deal
What I Don't Broker on the SBA Side
- Working capital only loans
- Equipment only financing
- Business acquisitions where there is no real estate
Loan Snapshot
- Loan Amounts
- $500K to $15M (SBA program ceiling)
- Typical Sweet Spot
- $2M to $10M
- Down Payment
- 10% minimum, 15% on special use property
- Term
- Up to 25 years on real estate
- Closing Time
- 60 to 120 days typical
- Property Types
- Owner occupied commercial, hospitality, self storage, senior care, franchise
- Geography
- Nationwide, drawn from the 200 plus active capital source network
- Rates
- Rates depend on the deal. Submit your file or jump on a call and I will give you a real number.
Rates depend on the deal. Submit your file or jump on a call and I'll get you a real number.
Why Hospitality and Owner Operator Borrowers Work With Me
I know the food, beverage, and hotel underwriting quirks (POS reports, liquor license, health permits, lease assignment, flag agreements). I work with franchisors, franchisees, and independent operators. I package deals for first time owners and seasoned operators.
Quick Eligibility
For profit business. U.S. based. 640+ credit score (flexibility for strong files). Owner equity injection required. Clean federal debt history. Reasonable use of proceeds. Real estate must be part of the deal.
Frequently Asked Questions
What is the difference between SBA 7(a) and SBA 504?
SBA 7(a) is a single loan up to $5M, partially guaranteed by the SBA, used for owner occupied real estate, business acquisition, and working capital. SBA 504 is a two loan structure (bank first + CDC second) up to roughly $15M total, used for owner occupied real estate and major equipment with longer terms (25 years on real estate) and lower down payment.
What is the maximum SBA loan amount?
SBA 7(a) caps at $5M. SBA 504 can reach $15M+ depending on the project structure (bank first plus CDC second plus borrower equity). Public policy goal projects (manufacturing, energy efficient buildings) can stretch the 504 ceiling further.
Do I qualify for an SBA real estate loan?
You need a for profit US business, owner occupancy of at least 51 percent of the building (60 percent on new construction with plans to occupy 80 percent), 10 percent equity injection minimum, 640 plus credit, and clean federal debt history. Hospitality, self storage, senior care, franchise, and standard owner occupied commercial all qualify.
How long do SBA real estate loans take to close?
Standard SBA 7(a) closes in 60 to 90 days. SBA 504 typically runs 90 to 120 days because of the CDC second mortgage process. Hospitality and ground up files can take longer because of franchise approvals, permits, and construction documentation.
Can I use an SBA loan to buy a hotel or franchise?
Yes. SBA is one of the most active lender groups in hotel acquisition, franchise real estate, self storage, and senior care. The hospitality bench includes the largest SBA preferred lenders in the country. Real estate has to be part of the deal, not a pure business buyout.
Ready when you are.
Send me your file or pick up the phone. I answer 7 days a week.