Buy Commercial Real Estate with up to 100% Financing
Get 100% Financed SBA commercial real estate loans of up to $5 million for purchasing owner-occupied properties, with 25-year loan terms.
SBA Commercial Real Estate Loan Overview
SBA loans offer a guarantee from the federal government of 75% - 90% of the loan amount, making banks more comfortable lending and easier for under-collateralized businesses to get the funding they need.
The SBA Commercial Real Estate Loan offered by Spartan Café is designed to help businesses purchase owner-occupied commercial real estate with favorable terms and up to 100% financing. These loans are backed by the Small Business Administration (SBA), which means they come with government guarantees that reduce the risk for lenders, making it easier for businesses to secure funding.
Benefits of SBA Commercial Real Estate Loans
- Up to 100% Financing: Provides maximum leverage with no down payment required, preserving business liquidity.
- Loans Up to $5 Million: Suitable for significant real estate investments.
- 25-Year Loan Terms: Extended repayment terms to ease cash flow management.
- Preserve Liquidity: Allows businesses to keep more cash on hand for other operational needs.
- Property Appreciation: Potential for property value increases over time.
- Depreciation Tax Benefits: Ability to write off property depreciation for tax purposes.
- Interest Write-Offs: Interest payments on the loan can be deducted for tax purposes.
- Enhanced Business Value: Owning real estate can increase the overall value of your business when sold with the property.
Qualifications for SBA Commercial Real Estate Loans
Application Process
- Minimum FICO Score: 640 (Experian model v2).
- Time in Business: Minimum of 2 years for 100% financing; startups may also qualify.
- Occupancy Requirement: The borrowing business must occupy at least 51% of the rentable square footage.
- Expansion Requests: Strong businesses may be eligible for 100% financing for expansion.
- Initial Assessment: Pre-qualification assistance to determine SBA eligibility.
- Documentation Preparation: Assistance with preparing and submitting required documents.
- Application Submission: Online application process with straightforward steps.
- Approval and Funding: Decision within 24 hours and funding within 7 days or less.