Small Business, Big Dreams

SBA Commercial Real Estate Loan Highlights

• Property types allowed: SBA mortgage loan programs allow borrowers to finance a variety of owner-occupied commercial real estate, including multi-use buildings, office buildings, warehouses, self-storage facilities, medical buildings, and hotels.
• Maximum LTV: The maximum loan-to-value (LTV) ratio for SBA 7(a) loans is generally up to 90%. For SBA 504 loans, it's typically up to 85%, but the borrower's down payment can be as low as 10%.
• Eligibility: The business must be a small business per SBA standards, the property must be at least 51% owner-occupied, and the borrower must have good credit and sufficient cash flow to repay the loan.
• Terms and conditions: SBA loans offer competitive interest rates and long repayment terms of up to 25 years. Personal guarantees are typically required.

It's important to note that SBA mortgage loan programs are only available through participating lenders, such as banks and credit unions, that have been approved by the SBA to offer these loans. Borrowers should research and compare lenders to find the best loan terms and conditions for their business needs.