Finance the purchase, expansion, or improvement of commercial property with flexible financing designed to support your business’s long-term growth.
Maximum Loan Amount
Repayment Terms
Commercial Properties
Real Estate Financing
Commercial real estate financing can help established businesses purchase, construct, renovate, or expand owner-occupied properties. With competitive financing options and repayment terms designed around long-term investments, business owners can build equity, establish a permanent location, and invest in property that supports future growth. Financing options may be available for office buildings, retail locations, warehouses, medical facilities, hospitality properties, and other eligible commercial spaces.
Flexible financing that may be used to purchase, construct, renovate, or refinance eligible owner-occupied commercial property while also supporting related business expenses.
Long-term financing designed for major fixed assets, including existing buildings, land, new facilities, construction, expansion, and substantial property improvements.
The applicant should generally be an operating, for-profit business located in the United States that meets applicable SBA size and eligibility requirements.
Lenders review the business and owners’ credit profiles, operating performance, existing obligations, and demonstrated ability to repay the proposed financing.
The property should generally be used primarily for the applicant’s own business operations rather than passive investment or speculative real estate activity.
Government-issued identification, ownership information, business formation documents, and personal financial information may be required from applicable owners.
Lenders may request business and personal tax returns, profit and loss statements, balance sheets, bank statements, projections, and a schedule of existing debt.
A purchase agreement, property details, construction or renovation estimates, leases, appraisal information, and environmental documentation may be requested.
Commercial real estate financing may be a strong option for established businesses ready to purchase, construct, expand, renovate, or refinance property used for their own operations. It can help your business establish a permanent location, build long-term equity, increase operational capacity, and reduce dependence on leased space. Because these loans typically involve detailed financial and property review, they are often best suited for businesses with consistent cash flow, a clear occupancy plan, sufficient funds for the required contribution, and the ability to manage long-term scheduled payments.
Check EligibilityA commercial real estate loan provides financing for eligible business properties. Funds may be used to purchase, construct, renovate, expand, or refinance commercial property used primarily for business operations.
Eligible properties may include offices, retail locations, warehouses, industrial facilities, medical offices, restaurants, hotels, professional buildings, and other commercial properties used by the operating business.
Available financing depends on the loan program, property value, project cost, business cash flow, borrower qualifications, and lender requirements. SBA 7(a) loans may provide financing of up to $5 million for eligible business purposes.
Repayment terms vary by loan program, property type, and financing purpose. Eligible commercial real estate financing may offer repayment terms of up to 25 years, helping businesses spread the cost of a long-term property investment over time.
SBA commercial real estate financing is generally intended for property primarily occupied and used by the operating business. Occupancy requirements vary depending on whether the property is existing or newly constructed and which financing program is used.
The required borrower contribution depends on the loan program, property, project, business history, and lender requirements. Some eligible SBA transactions may require a lower contribution than conventional commercial real estate financing.
Documentation may include personal and business tax returns, financial statements, bank statements, debt schedules, ownership information, identification, property details, purchase agreements, construction estimates, and other supporting records.
The timeline varies based on the financing program, property, documentation, appraisal, environmental review, and complexity of the transaction. Commercial real estate financing generally requires a more detailed review than many working-capital loans.
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