Government-backed SBA loans for small business owners purchasing or refinancing owner-occupied commercial real estate.
What Is SBA 7(a) & 504?
SBA loans are government-guaranteed loans for small business owners. The 7(a) and 504 programs both finance owner-occupied commercial real estate — but they work differently. 7(a) is more flexible and can bundle multiple uses; 504 offers lower down payments and a fixed long-term rate on the SBA portion.
Key Benefits
- Up to 90% financing — significantly less down than conventional commercial loans
- Long amortizations (up to 25 years on real estate)
- 504 offers a fixed, below-market long-term rate on the SBA debenture
- 7(a) can bundle real estate with working capital, equipment, and business acquisition
- Available to small businesses across most industries
Who This Is For
Small business owners purchasing or refinancing their owner-occupied commercial real estate, and business buyers structuring an acquisition that includes real estate.
Typical Loan Parameters
- Maximum loan: 7(a): $5M | 504: $5.5M+ SBA portion
- Down payment: As low as 10% (504); 7(a) varies
- Amortization: Up to 25 years (real estate)
- Owner-occupancy: ≥51% existing buildings; 60% new construction
- Use of funds: Real estate, equipment, working capital, acquisition
Property Types
Owner-occupied office, retail, industrial, restaurant, medical, professional service, and similar small-business properties.
Ready to Get Started?
Schedule a free 30-minute consultation to discuss your project. I’ll help you understand your options and structure the right loan for your asset and your goals.