SBA Financing for Owner-Occupied Commercial Real Estate

SBA loans designed for owner-occupied properties — when the business uses the building as a tool to grow.

Why SBA 7(a) and 504 Loans are a Popular Choice are a Popular Choice for Purchasing or Refinancing Commercial Property:

Low Equity Option:

Often as little as 10% down.

Low Fixed Blended Rate:

Up to 25-year amortization, supporting predictable cash flow.

Ground-Up Construction:

One loan for land, construction and permanent financing.

Non-Recourse Feature:

The SBA/CDC portion is generally non-recourse; the real estate is primary collateral.

Versatile Use Cases:

Purchases, rate & term refinances, eligible cash-out refinances, and construction-to-permanent.

When 7(a) Loans Make More Sense

  • Real estate plus working capital, equipment, and some closing costs
  • Can help when the transaction needs a single loan solution
  • Often used for special-purpose properties

Eligibility Fit Check

  • Owner-occupied property (business generally operates from the building)
  • U.S. based Purchase, build, or refinance for long-term business use
  • Property serves as primary collateral
  • Borrower equity/lending requirements vary but do matter
  • Clear and allowable use of proceeds

Tell Us About the Deal

Describe your project and what you’re aiming to do.

Nathan Williamson

NMLS #145032

NMLS #1660690 

NEXA Mortgage LLC is an Equal Housing Lender and Equal Housing Opportunity

Contact us

Branch: 345 Doucet Road suite 228 Lafayette Louisiana 70503.

Corporate: 5559 S Sossaman Rd Bldg #1 #101, Mesa, AZ 85212.

(337) 270-3111

info@thegulfcapital.com

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