Loan Program
Commercial/SBA Loans
Is Commercial or SBA Financing Right for You?
Commercial and Small Business Administration (SBA) financing programs help eligible business owners and investors access capital for commercial real estate, business expansion, equipment, and other qualifying needs.
Commercial loans are commonly used to purchase, refinance, or improve income-producing and business-use properties. SBA-backed loans, including the SBA 7(a) and 504 programs, offer financing opportunities for eligible small businesses.
Whether you’re purchasing a commercial property, expanding your operations, or investing in business infrastructure, the right financing program can help support your next stage of growth.
Benefits of Commercial & SBA Financing
- Business Growth Opportunities: Financing may support expansion, property acquisitions, renovations, and qualifying operational needs.
- Commercial Property Ownership: Eligible businesses can explore purchasing facilities rather than continuing to lease.
- Flexible Financing Options: Different loan structures may be available depending on the property, business, and financing purpose.
- SBA-Backed Programs: SBA guarantees may help eligible businesses access financing under participating lender programs.
- Longer Repayment Options: Certain SBA programs offer extended repayment terms for qualifying uses.
- Capital Preservation: Financing may allow businesses to retain some working capital for ongoing operations.
Commercial & SBA Loan Eligibility Requirements
General eligibility requirements may include:
- Business Qualifications: An established or qualifying business that meets applicable lender and program guidelines.
- Credit History: Acceptable business and personal credit, where required.
- Financial Documentation: Business tax returns, financial statements, cash flow records, or other supporting documents.
- Repayment Capacity: Sufficient business income or projected cash flow to support the proposed loan.
- Property or Collateral: Eligible commercial property or other collateral, depending on the loan structure.
- SBA-Specific Requirements: SBA programs have additional eligibility rules, including business size, qualifying use of proceeds, and applicable owner-occupancy requirements for real estate financing.
Compare Before You Commit
Use our mortgage calculators to understand your options before making one of life’s biggest financial decisions.
No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!
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