SBA Real Estate Loans
Apply Now

What are SBA loans?

SBA loans are longer-term, small business loans partially guaranteed by the government. This provides SBA loan guarantees of up to 90% of the loan amount provided through an SBA-approved lender—typically banks. The three main SBA loan programs let you borrow money for nearly any business purpose—including working capital, purchasing inventory or equipment, refinancing other debts, or buying real estate—through these SBA-guaranteed loans.

SBA Real Estate Loan Benefits

  • Loan amounts up to $5 million
  • Additional direct funding by syndicate banks over and above $5 million (SBA 7(a) Pari Passu loan)
  • Terms up to 25 years
  • Fully amortized, no balloon payments

SBA Real Estate Loans Uses

  • Owner-user commercial real estate purchase
  • Expansion
  • Refinance or construction
  • For-profit businesses
  • Existing buildings or land 
  • New facilities 
  • Long-term machinery and equipment
  • Working capital or inventory 
  • Consolidating, repaying or refinancing debt 
  • Speculation or investment in rental real estate