Purchase of Owner-Occupied Commercial Real Estate

• Up to 90% financing (≈10% down)

• Structure: ~50% Bank / ~40% SBA (CDC) / ~10% Borrower.

• Can be 15%–20% down for startups or special-use properties

Ground-Up Construction

• Up to 90% financing of total project cost

• Covers land acquisition + construction costs

• Same 50/40/10 structure (may increase to 15%–20% equity depending on risk)

Building Expansions or Renovations

• Up to 90% financing

• Includes additions, major improvements, and facility upgrades

• Can be combined with refinance or equipment in one structure

Equipment Purchases (Long-Life Assets)

• Up to 90% financing

• Typically for equipment with 10+ year useful life

• Structured similar to real estate loans (bank + SBA split)

Refinancing Existing Commercial Real Estate Debt (with conditions)

• Up to 90% LTV

• May allow cash-out for eligible business expenses

• Must meet SBA refinance requirements (seasoning, benefit to borrower, etc.)

LOW DOWN PAYMENT

• Typically 10% equity preserves your cash.

LONG-TERM FIXED RATE

• SBA portion is fixed for 25 years—great for stability.

LOWER MONTHLY PAYMENTS

• Long amortization helps improve cash flow.

IDEAL FOR GROWTH

• Perfect for businesses expanding into owned real estate.

• Owner-Occupied: Business must occupy at least: - 51% of existing buildings - 60%+ for new construction (with plan to occupy more over time)

• For-Profit Business Strong cash flow
  (typically DSCR ≥ 1.25)

• For-Profit Business

• Strong cash flow (typically DSCR ≥ 1.25)

• Good credit profile

• Business owners looking to purchase their building

• Operators expanding into larger facilities

• Businesses refinancing existing CRE debt

• Franchise operators buying locations with real estate