How do down payment requirements compare to conventional loans?

They are typically lower than conventional loan requirements.

How can this financing improve monthly cash flow?

Through longer amortization periods that reduce monthly payments.

What impact does the government-backed structure have?

It reduces lender risk, which can make financing more accessible.

Is underwriting flexible for newer businesses?

Yes, it can be more flexible compared to traditional financing.

Can closing costs be included in the loan?

Yes, both closing costs and soft costs can often be financed.

Are fixed rate options available?

Yes, competitive fixed rate options provide long-term stability.

How does this support business growth?

It enables operational expansion and long-term planning.

Does this help build business credit?

Yes, it helps establish and strengthen a business credit profile over time.

SBA Loans for Commercial Real Estate

SBA commercial real estate loans are government backed financing programs designed to help small businesses acquire, refinance, or improve owner occupied commercial properties. These loans are ideal for businesses that may not qualify under conventional lending guidelines, while offering favorable terms and lower down payment requirements.

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Key Highlights for this loan

Best For:
- Startups and growing small businesses
- Owner users purchasing their primary business location
- Borrowers with limited liquidity for large down payments
- Businesses seeking long term stable financing
Occupancy Requirement:
- Business must occupy at least 51 percent of the property
- Supports owner operated commercial locations
- Encourages long term business stability
- Investment only properties are not eligible
Credit Score Requirements:
- Typically 600+ minimum guideline
- Flexible underwriting for strong business plans
- Personal and business credit both considered
- Compensating factors may improve approval odds
Loan Amounts:
- $200,000 to $5,000,000 standard range
- Higher limits possible under certain SBA programs
- Suitable for property acquisition or refinancing
- Can include project related soft costs
Eligible Uses:
- Commercial property purchases
- Owner occupied refinancing
- Construction or property improvements
- Business expansion tied to real estate

Frequently asked questions

HOW IT WORKS

Fast & Easy Application Process

Apply Online

Complete a short 1-minute form to tell us more about your loan request and situation.

Expert Consultation

You’ll be assigned to a OCL Loan expert who will guide you through the process.

Select A Loan

Your loan expert will present you with the best available options for your loan.