SBA Commercial Real Estate Loan Programs

Designed specifically for financing owners occupied commercial properties, such as office buildings, retail spaces, warehouse, medical and more! Small Business Administration (SBA) mortgage loan programs are designed to help small business owners and entrepreneurs finance the purchase or refinance of commercial real estate properties
SBA Commercial Real Estate Mortgage Loan Highlights
Small Business, Big Dreams: SBA Mortgage Programs for Business Owners and Entrepreneurs
Small Business, Big Dreams: SBA Mortgage Programs for Business Owners and Entrepreneurs
  • Property types allowed: SBA mortgage loan programs allow borrowers to finance a variety of commercial real estate properties, including:
    • Multi-use buildings, such as retail stores with apartments above them
    • Office buildings
    • Warehouses
    • Self-storage facilities
    • Medical or dental buildings
    • Hotels or motels
  • Maximum LTV: The maximum loan-to-value (LTV) ratio for SBA 7(a) loans is generally up to 90% of the appraised value or purchase price of the property, whichever is lower. However, for SBA 504 loans, the maximum LTV is generally up to 85% of the appraised value or purchase price of the property.

  • Eligibility: To be eligible for SBA mortgage loan programs, borrowers must meet certain criteria, such as:

    • The business must be considered a "small business" according to the SBA's size standards.
    • The property must be owner-occupied, meaning that at least 51% of the property's square footage must be used by the borrower's business.
    • The borrower must have a good credit score, typically above 680.
    • The borrower must have sufficient cash flow to repay the loan.
  • Terms and conditions: SBA mortgage loan programs offer competitive interest rates and long repayment terms of up to 25 years, depending on the program and the lender. Additionally, borrowers may be required to provide collateral, such as the commercial property being financed, and personal guarantees.

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.

Commercial Loan Program Terms:

  • Up to 90% CLTV Purchase
  • Up to $100M Loan Amount
  • 5-100 Units
  • No Employment or Income Verification
  • Close in an LLC or Entity
  • Multi Family, Mixed Use, Retail/Office, Hospitality, Apartments, Senior Housing +more
  • Rehab and Ground Up Construction Available
  • Flexible Amortization Options

Start Commercial Loan Application

Get an Instant Mortgage Rate Quote from The Mortgage Calculator

Start Below for an Instant Mortgage Rate Quote

About The Mortgage Calculator
The Mortgage Calculator

The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! 

Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!

Our team of over 400 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank Statement Mortgages, P&L Mortgages, Asset Based Mortgage Programs, No Ratio CDFI Loan Programs, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages and thousands more!

Learn More About Us