SBA Loans for Owner-Occupied Properties
Government-backed financing with lower down payments for small businesses.
SBA Loan Advantages
Low Down Payments
As little as 10% down compared to 20-25% for traditional commercial loans.
SBA 7(a) Program
The most flexible SBA option. Use for real estate, equipment, working capital, or refinancing.
SBA 504 Program
Fixed below-market rates for major real estate and equipment purchases through CDC partnership.
Longer Terms
Up to 25 years for real estate, reducing your monthly payment and improving cash flow.
Government Guarantee
SBA guarantees a portion of the loan, making it easier to qualify with less collateral.
Build Equity Faster
Own your property instead of renting, building long-term wealth for your business.
SBA 7(a) is more flexible and can fund various business needs. SBA 504 offers fixed rates specifically for major assets like real estate and equipment.
SBA loans typically take 45-90 days from application to funding. We streamline the process and keep you informed at every step.
Yes. Your business must meet SBA size standards, which vary by industry. Most businesses with under 500 employees qualify.
Yes. SBA loans can be used for purchasing, constructing, or renovating commercial property as long as your business will occupy 51%+ of the space.
Ready to Apply for an SBA Loan?
Get started with government-backed financing today.