SBA Loans for Commercial Real Estate
Explore SBA financing for purchasing, constructing, renovating or refinancing qualifying owner-occupied commercial real estate for your business.
Simple application
Multiple financing options
Secure and confidential
SBAloansfor.com is not a government agency or direct lender.
Up to
$5 Million
Flexible funding for your goals
Flexible Uses
Acquisitions, real estate, equipment & more
Longer Terms
Competitive rates and longer repayment terms
Small Businesses Build Brighter Futures
Explore SBA Loan Programs
Compare popular SBA loan programs to find the right fit for your business.
SBA 7(a) Commercial Real Estate Loans
SBA 7(a) loans offer flexible financing for purchasing, constructing, renovating, or refinancing qualifying commercial real estate. The program may be appropriate when a business needs to finance property along with other expenses in the same transaction.
Depending on eligibility and lender approval, an SBA 7(a) loan may include funds for:
- Purchasing commercial real estate
- Constructing a new business facility
- Renovating or expanding a property
- Purchasing equipment and furniture
- Supporting eligible working capital needs
- Acquiring a business and its real estate
- Refinancing qualifying business debt
- Paying eligible transaction costs
The maximum SBA 7(a) loan amount is generally $5 million. The approved amount, rate, fees, and repayment terms depend on the borrower, property, intended use of funds, and participating lender.
SBA 504 Commercial Real Estate Loans
The SBA 504 program provides long-term, fixed-rate financing for major fixed assets that promote business growth and job creation. It is commonly used to purchase, construct, or improve owner-occupied commercial real estate.
SBA 504 financing is arranged through a Certified Development Company working with a senior lender. The SBA-backed portion may reach $5.5 million for qualifying projects, while the total project financing may be higher.
Qualifying uses may include:
- Purchasing an existing commercial building
- Acquiring land for an eligible construction project
- Constructing a new facility
- Renovating or modernizing an existing property
- Expanding a current business location
- Installing qualifying long-term equipment
- Refinancing qualified debt under applicable SBA rules
SBA 504 loans generally cannot be used for working capital, inventory, passive real estate investment, or speculative property purchases.
SBA 7(a) vs. SBA 504 Real Estate Financing
Both programs can finance qualifying owner-occupied commercial property, but they serve different financing needs.
Consider an SBA 7(a) Loan When:
- The transaction includes real estate and working capital
- You are purchasing a business and its property
- The project includes several different uses of funds
- You need a flexible financing structure
- The total financing request falls within the program limit
Consider an SBA 504 Loan When:
- The primary purpose is commercial real estate
- You are constructing or renovating a business facility
- The project involves major fixed assets
- You want long-term financing for an owner-occupied property
- The project amount may exceed the SBA 7(a) program limit
The appropriate program depends on the property, transaction, business financials and overall financing objectives.
Benefits of SBA Commercial Real Estate Loans
Build Business Equity
Purchasing a property may allow your company to build equity instead of continuing to pay rent to a third-party landlord.
Longer Repayment Terms
Commercial real estate may qualify for longer repayment periods, which can help make monthly payments more manageable.
Preserve Working Capital
Financing a property purchase may allow the business to retain more cash for payroll, inventory, marketing and daily operations.
Control Your Location
Ownership gives you greater control over renovations, property use, branding, and long-term occupancy.
Finance Construction and Improvements
Eligible project costs may include land acquisition, construction, renovations, and certain related improvements.
Support Long-Term Growth
A larger or better-equipped facility can help a business increase capacity, serve more customers, and pursue new opportunities.
Financing for Owner-Occupied Commercial Real Estate
Purchasing commercial property can give your business greater control over its location, provide room for future growth, and create an opportunity to build long-term equity. However, buying or developing business property can require a significant upfront investment.
SBA commercial real estate loans may help qualified businesses finance an office, warehouse, medical facility, retail building, manufacturing plant,t or another eligible owner-occupied property. Financing may also be available for new construction, property improvements, and certain qualifying refinancing transactions.
Compare SBA Loan Programs
| Feature | SBA 7(a) Loans | SBA 504 Loans | SBA Express Loans |
| Best For | Acquisitions, working capital, equipment, real estate | Commercial real estate and major equipment | Smaller loans with faster approval |
| Loan Size | Up to $5 Million | Up to $5 Million | Up to $500,000 |
| Terms | Up to 25 years | Up to 25 years | Up to 10 years |
How SBA Commercial Real Estate Financing Can Be Used
Purchase an Existing Property
Finance the acquisition of a building that your company will use for its business operations.
Construct a New Facility
Purchase land and construct a new office, warehouse, retail location, manufacturing facility or other qualifying business property.
Renovate or Improve a Building
Make eligible improvements to a property, including structural renovations, accessibility upgrades, utility improvements and modifications needed for business operations.
Expand an Existing Facility
Add more office, production, storage, retail, or customer-service space to support business growth.
Purchase Property and Equipment
Depending on the SBA program and transaction, financing may include commercial real estate, qualifying machinery, equipment, furniture, or fixtures.
Refinance Eligible Real Estate Debt
Certain existing commercial real estate debt may qualify for refinancing when the transaction satisfies current SBA and lender requirements.
Financing Designed Around Your Business Goals
Get the capital you need with competitive terms and a variety of SBA financing options.
Loans Up to
$5 Million
Longer
Repayment Terms
Multiple SBA
Financing Options
Basic SBA Loan Requirements
To qualify for an SBA loan, your business generally must meet the following criteria.
For-Profit Business
Must be a for-profit business.
Operates in the U.S.
Must operate in the United States or its territories.
Eligible Industry
Must be in an SBA-eligible industry.
Ability to Repay
Must demonstrate the ability to repay the loan.
Owner Investment
Typically requires some owner investment.
Required Documentation
Provide financials, business plan and other documents.
A Simple Path to SBA Financing
From application to funding, we make the process straightforward.
Tell Us About Your Business
Share a few details about your business and goals.
Choose Your Financing Goal
Select the type of financing your business needs.
Review Available Options
We'll match you with different, trusted lender options.
Connect With an SBA Lender
Get connected and move forward with confidence.
Why Business Owners Choose SBALoansFor.com
- Industry-specific financing guidance
- Secure online application
- Access to multiple financing options
- Support throughout the process
Owner-Occupancy Requirements
SBA financing is intended primarily for properties occupied and used by the operating business. It is not designed for passive investments, speculative property purchases or properties acquired mainly to generate rental income.
Applicable occupancy requirements depend on whether the transaction involves an existing property, new construction or another project structure. A participating lender or Certified Development Company will review the proposed use of the property and determine whether it satisfies current SBA requirements.
How Much of a Down Payment Is Required?
The required borrower contribution depends on the SBA program, property, business history and transaction. Established businesses purchasing standard-use properties may qualify for a lower contribution than startups or businesses purchasing special-purpose properties.
Your participating lender will determine the required contribution after reviewing the complete transaction. The borrower must also demonstrate the source and availability of the funds being contributed.
What Do Businesses Need to Qualify?
Requirements vary by lender, property and SBA program. Participating financing providers commonly evaluate:
- Business and personal credit history
- Time in business
- Historical revenue and profitability
- Current and projected cash flow
- Ability to repay the proposed loan
- Existing business debt
- Management and industry experience
- Proposed use of the property
- Property type and appraised value
- Required borrower contribution
- Available collateral
- Personal guarantees from applicable owners
- Environmental and property-condition considerations
The property and business must also satisfy the eligibility requirements of the selected SBA program.
Properties That May Qualify for SBA Financing
SBA commercial real estate financing may be available for many types of owner-occupied business properties, including:
- Office buildings
- Professional offices
- Medical and dental facilities
- Warehouses
- Distribution centers
- Manufacturing facilities
- Industrial properties
- Retail buildings
- Restaurants
- Hotels and motels
- Automotive facilities
- Daycare facilities
- Private schools
- Veterinary clinics
- Fitness centers
- Salons and spas
- Mixed-use business properties
- Other eligible owner-occupied commercial buildings
The property must be used primarily for eligible business operations and satisfy the occupancy requirements of the selected SBA program.
Documents You May Need
Applicants may be asked to provide:
- Business and personal tax returns
- Current profit-and-loss statements
- Business balance sheets
- Business debt schedules
- Personal financial statements
- Business bank statements
- Ownership and organizational documents
- Resumes for owners and key managers
- Financial projections
- A business plan or project summary
- A purchase agreement or letter of intent
- Property information and rent rolls, when applicable
- Construction budgets and contractor estimates
- Renovation or improvement plans
- Equipment estimates
- Environmental reports
- A commercial real estate appraisal
- Documentation showing the source of the borrower contribution
Required documentation depends on the property, financing program, lender, and project complexity.
Frequently Asked Questions About SBA Commercial Real Estate Loans
SBA 7(a) and 504 loans may be used to purchase eligible owner-occupied commercial real estate. The business, borrower and property must satisfy applicable SBA and lender requirements.
SBA financing may be available to purchase land and construct a new business facility. The project must meet applicable eligibility, occupancy, underwriting and construction requirements.
Eligible renovation, modernization and expansion costs may be included when they are part of an approved commercial real estate project.
SBA financing is generally not available for passive real estate investments or speculative rental properties. The operating business must occupy and use the property according to the requirements of the selected program.
An SBA 7(a) loan may be better suited to transactions combining real estate with working capital, a business acquisition or other eligible expenses. An SBA 504 loan is typically focused on commercial real estate and other major fixed assets.
SBA 7(a) loans are generally available up to $5 million. The SBA-backed portion of a 504 loan may reach $5.5 million for qualifying projects, and the total 504 project financing may be higher. The amount available depends on the project, property, cash flow and participating financing providers.
Available terms depend on the program and transaction. SBA 504 loans offer 10-, 20- and 25-year maturities. SBA 7(a) repayment terms vary based on the use of funds, property and lender requirements.
Begin by completing an online application with information about your business, property and requested financing. If you meet initial criteria, a participating financing provider may request financial statements, tax returns, property documents and other supporting information.
Explore SBA Commercial Real Estate Loan Options
Whether you are purchasing an existing building, constructing a new facility, renovating your current location or refinancing qualifying property debt, SBA financing may help your business secure the space it needs for long-term growth.
SBA Commercial Real Estate Loans Across the U.S.
SBALoansFor.com helps business owners across the United States explore SBA financing to purchase, construct, renovate, and refinance qualifying owner-occupied commercial property.
Whether you need an office, warehouse, manufacturing facility, medical building, retail location, or another eligible business property, we can help you explore available financing options based on your project and qualifications.
Complete one simple online application to begin exploring SBA commercial real estate loan options. Financing availability, amounts, rates, fees, repayment terms, and eligibility requirements vary by lender, program, property, and applicant. Submitting an application does not guarantee approval or funding.
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SBA Loan Options for Many Types of Small Businesses
Accounting Firms
Agricultural Businesses
Architectural Firms
Assisted Living Facilities
Auto Body Shops
Auto Repair Shops
Bakeries
Bars and Nightclubs
Bed and Breakfasts
Car Dealerships
Car Washes
Catering Companies
Chiropractors
Cleaning Companies
Coffee Shops
Concrete Contractors
Construction Companies
Contractors
Convenience Stores
Daycare Centers
Dentists
Doctors
Dry Cleaners
Ecommerce Businesses
Electrical Contractors
Engineering Firms
Export Businesses
Fencing Companies
Fitness Centers
Flooring Companies
Food Trucks
Franchises
Gas Stations
General Contractors
Grocery Stores
Gyms
Home Builders
Home Healthcare Companies
Hotels
HVAC Companies
Insurance Agencies
IT Companies
Landscaping Companies
Laundromats
Law Firms
Liquor Stores
Logistics Companies
Machine Shops
Manufacturers
Marketing Agencies
Medical Practices
Mental Health Practices
Minority-Owned Businesses
Motels
Optometrists
Orthodontists
Painting Companies
Pharmacies
Physical Therapy Practices
Plumbing Companies
Pool Companies
Private Schools
Property Management Companies
Real Estate Agencies
Remodeling Companies
Restaurants
Restoration Companies
Retail Stores
Roofing Companies
Salons
Security Companies
Software Companies
Solar Companies
Spas
Staffing Agencies
Trucking Companies
Veteran-Owned Businesses
Veterinarians
Warehouses
Women-Owned Businesses
Important Financing Disclosure
SBALoansFor.com is not a bank, direct lender, government agency, or the U.S. Small Business Administration. Independent third-party lenders and financing providers provide financing. Available programs, loan amounts, interest rates, fees, repayment terms, eligibility requirements and approval criteria vary by provider and applicant. Submitting an application does not guarantee approval or funding.