Buy, refinance and expand with a low-cost SBA 7(a) commercial real estate loan

Low rates, long terms and top-notch customer service set SmartBiz apart.

$500,000 - $5 million
6.50% - 7.75%*
25 years

Purchase or Refinance Commercial Real Estate with SmartBiz

With fully-amortizing 25-year terms as well as fixed and variable interest rates ranging from 6.50% to 7.75%*, SBA 7(a) loans are a great option for small businesses looking to refinance an existing commercial real estate mortgage, buy an office building or other owner-occupied commercial space. The rent replacement option with minimal down payment, offered by our preferred SBA lending banks, lets you keep more of your cash to invest in growing your business.

How It Works


Pre-qualify for an SBA 7(a) Commercial Real Estate Loan

Pre-qualify in as little as 5 minutes without impacting your credit score. Simply provide basic information online and we’ll automatically tell you if you prequalify for an SBA commercial real estate loan from $500,000 to $5 million.


Provide Financial Information

Provide financial information about your business and its owners. Your dedicated Relationship Manager can help with any questions.


Accept Your Letter of Intent

You will receive a non-binding letter of intent (LOI) outlining details of the SBA commercial real estate loan so you can negotiate terms with the property seller or your existing lender.


Conduct Property Valuation

During the SBA commercial real estate application process, the property you’re interested in will be valued. Your dedicated Relationship Manager helps facilitate this step.


Get Funded

Upload requested documents to complete your application. We'll work with you through the loan closing process. Funds can be wired for closing in as fast as 30 days after credit approval.

What It Costs

The SBA Commercial Real Estate Loans offered by our preferred SBA lending banks, feature low rates, long terms, a rent replacement option with minimal down payment, and no balloon payments.

How much do you need for your commercial real estate loan?


$5 million



* Loans have a variable rate of Prime Rate plus 1.50% to 2.75%.


What our customers say



At least 51% of the property's square footage must be occupied by, and used by, your business
2+ years in business
Business owners must be U.S. citizens or legal permanent residents
Business owners must have personal credit scores above 675
Cash flow to support loan payments
The estimated purchase price must be greater than $500,000
Rent replacement option requires a loan payment that does not exceed the current monthly lease expense


Developers or landlords that are not actively occupying the property
Investment properties (for example, the majority of the property will be leased or it is a real estate flip project)
Bankruptcies or foreclosures in the last 3 years
Prior default on government backed loans
Outstanding tax liens
Construction (for example, purchasing an empty lot and building a new structure)

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