SBA & Owner-Occupied Real Estate Financing
A business that owns the building it operates in has more financing paths than an investor does, including government-guaranteed SBA programs. We place owner-occupied real estate and business financing from $1M across a network of 8,000+ capital sources. No cost to apply, no credit pull at inquiry.
Apply now →Owner-occupancy is the gate. SBA real estate programs require the business to occupy a majority of the property, with higher thresholds for new construction. The first question is how much space the business uses and how much is leased to others.
Cash flow of the business, not just the building. Lenders underwrite the operating company: tax returns, debt service coverage and time in business. Clean, current financials make the biggest difference.
SBA is one option among several. Conventional bank, credit union, private and alternative programs may fit better depending on timing, size and credit. We screen the file against all of them and show you the tradeoffs.
Program rules change. SBA guidelines are revised periodically. We check current program rules at the time we match, so you are not working from outdated eligibility information.
Tell us the real story on your deal. Within one business day an underwriter tells you whether it is financeable and which of our 8,000+ capital sources fit it. There is no cost to apply and no credit pull at inquiry.
Government-guaranteed loan programs for small businesses. 504 loans are structured for owner-occupied real estate and major equipment; 7(a) loans are more flexible and can include working capital, acquisition and real estate.
We place financing from $1,000,000.
For SBA real estate programs, yes. The business generally must occupy a majority of existing buildings.
Time in business affects which programs fit. Tell us the facts and we will show you what is available, including alternatives to SBA.