SBA 7(a) for business-purpose real estate
Through select private non-bank SBA lenders, we arrange SBA 7(a) financing specifically for business owner-occupied commercial real estate—acquisition, eligible refinance, improvements, and related costs. Note: Our SBA offering is via private non-bank partners and is limited to real estate. For working capital, equipment, or acquisitions, see our Private Capital programs.
What 7(a) can finance (our private SBA channel)
Real estate needs tied to your operating company—purchase, eligible refinance, construction or improvements, and closing costs. For eligibility, the operating business must occupy the majority of the space: 51%+ for existing buildings and 61%+ at completion for new construction.
Typical structure and terms
Loan sizes are case-by-case within SBA guidelines (up to program maximums). Real estate terms can extend up to 25 years, fully amortizing. Rates are lender-set within SBA parameters and reflect market conditions and risk. Equity contribution and collateral depend on project profile; underwriting emphasizes global cash flow, management strength, and a credible plan to repay.
Where 7(a) shines for real estate
Owner-occupied acquisitions. Finance purchase and improvements in one facility, sized to coverage.
Refinance & improvements. Restructure eligible debt and fund build-out or modernization while aligning term with use.
Rent Replacement. Transition from leasing to ownership—when occupancy rules are met—so payments can stabilize long-term cost and build equity.
Business plans & financial projections (optional)
Strong files move faster. We prepare lender-ready plans and models tailored to SBA real estate underwriting:
- Concise narrative with market, operations, and risk/mitigation
- Sources/uses aligned to SBA-eligible costs
- Monthly three-statement projections with DSCR and sensitivities
- Occupancy mapping: 51%/61% thresholds and Rent Replacement view
Learn more on our Plans & Projections page.
Our role with private non-bank SBA lenders
We pre-qual quickly, confirm occupancy and use-of-funds eligibility, and prepare a lender-ready file (narrative, sources/uses, coverage view, and supporting financials). Then we align your request with private non-bank SBA lenders experienced in your property type and timeline, keeping third-party items organized so review and closing stay on track.
The objective is a complete, defensible package and a lender match whose credit box fits—so you can move from offer to ownership with confidence.
Getting started
Share your property details and goals. We’ll outline eligibility, a practical checklist, and an expected timeline—including whether a short-term bridge makes sense before SBA takeout.