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 partially backed by the U.S. Small Business Administration, which lets the capital sources I work with offer terms most banks couldn't touch on their own. Longer terms. Lower down payments. The catch on my side: real estate has to be part of the deal. I don't do SBA working capital, equipment only, or business acquisitions without a real estate component.
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
- Restaurant real estate purchase or build out (with the property)
- Hotel acquisition with SBA eligibility
- Franchise real estate purchase
What I Don't Broker on the SBA Side
- Working capital only loans
- Equipment only financing
- Business acquisitions where there's no real estate
Loan Snapshot
- Programs
- SBA 7(a) and SBA 504 (real estate backed)
- Down Payment
- As little as 10% borrower equity (program dependent)
- Term
- Up to 25 years on real estate
- Closing Time
- 60 to 120 days typical
- Use of Proceeds
- Real estate must be part of the deal
Rates depend on the deal. Submit your file or jump on a call and I'll get you a real number.
Why Restaurant and Hospitality Owners 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.
Ready when you are.
Send me your file or pick up the phone. I answer 7 days a week.