Loan programs
Commercial real estate and small business financing, underwritten in house and placed with the lender best suited to your project.
What we finance
Commercial real estate loans from $1 million to $100 million. SBA loans up to $5 million.
Small business
- SBA 7(a), 504 and Micro loans
- SBA non-real estate loans
- Business acquisition loans
- Owner-occupied businesses, sale or refinance
- Working capital
Construction and land
- New construction
- Land purchases and loans
- Acquisition and development
- Mixed-use development
- Ground lease financing
- Remodels and renovations
Property types
- Hospitality
- Restaurants, bars and clubs
- Shopping centers and retail
- Medical: clinics, dental, optometry
- Multifamily, new or existing
- Industrial warehouses
- Office buildings and plazas
- Churches, purchase or refinance
- Agricultural and USDA: farms, land, ranches
- Leisure: golf courses and marinas
Bridge and structured
- Hard money loans
- Bridge and DSCR loans
- Mezzanine financing
- Joint ventures
- True non-recourse loans
- Purchases and refinances: cash-out or rate and term
SBA loans
Loans backed by the U.S. Small Business Administration offer some of the most favorable terms available to small businesses: competitive rates, long repayment periods and higher borrowing limits.
They suit businesses with strong credit and at least two years of operating history that are ready for a thorough application. We prepare and underwrite your file so it is complete before it reaches the lender.
Advantages
- Competitive rates
- Borrow up to $5 million
- Repayment terms up to 25 years
Trade-offs
- Longer application process
- Stricter qualification requirements
Best for
- Expanding a business or refinancing debt
- Businesses with good credit that can wait for funding
SBA 7(a) and SBA 504 compared
| Feature | SBA 7(a) | SBA 504 |
|---|---|---|
| Used for | Owner-occupied real estate purchase, refinance or construction; equipment; inventory; business debt refinancing; tenant improvements; business acquisition; working capital | Buying, building or improving primarily owner-occupied real estate; long-term financing for heavy machinery or equipment |
| Amount | Up to $5 million | Typically 50% bank, 40% SBA, 10% borrower down payment |
| Interest rate | Usually variable, tied to the Wall Street Journal Prime Rate plus a margin | Bank portion fixed or variable; SBA portion fixed |
| Term | Real estate up to 25 years; non-real estate up to 10 years | Amortized up to 25 years; SBA portion 25-year maturity, bank portion 10-year maturity |
Actual terms, rates and eligibility vary by lender, borrower qualifications and current SBA rules.
Estimate your payment
Use our calculator to see monthly payments and any balloon balance for a commercial loan before you apply.
Ready to talk about your project?
Call a loan officer, or send your documents and we’ll start underwriting.