COMMERCIAL REAL ESTATE

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

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

LOAN AMOUNT
$500,000 - $5 million
INTEREST RATES
6.50% - 7.75%*
REPAYMENT TERM
25 years

Purchase or Refinance Commercial Real Estate with an SBA loan

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 from SmartBiz marketplace banks 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.


How It Works

1

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 pre-qualify for an SBA commercial real estate loan from $500,000 to $5 million.

2

Provide Financial Information

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

3

Accept Your Letter of Intent

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

4

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.

5

Get Funded

Upload requested documents to complete your application. We'll work with you throughout the entire loan closing process. The bank can wire funds for closing in as fast as 30 days after credit approval.


What It Costs

The SBA Commercial Real Estate Loans offered by the preferred SBA lending banks in the SmartBiz marketplace feature low rates, long terms, and no balloon payments.


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

$500,000

$5 million

MONTHLY PAYMENT
APR WITH FEES

LOAN TERM
INTEREST RATE *

* SBA loans from SmartBiz marketplace banks have a fixed rate of Prime Rate plus 2.00% to 2.75% or a variable rate of Prime Rate plus 1.50% to 2.75%.

START YOUR APPLICATION

What our customers say



Qualifications

YESNO
At least 51% of the property's square footage must be occupied by, and used by, your business
Developers or landlords that are not actively occupying the property
3+ years in business
Investment properties (for example, the majority of the property will be leased or it is a real estate flip project)
Business owners must be U.S. citizens or legal permanent residents
Bankruptcies or foreclosures in the last 3 years
Business owners must have personal credit scores above 675
Prior default on government backed loans
Cash flow to support loan payments
Outstanding tax liens
The estimated purchase price must be greater than $500,000
Construction (for example, purchasing an empty lot and building a new structure)

Qualifications

YES
At least 51% of the property's square footage must be occupied by, and used by, your business
3+ 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
NO
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)

Commercial Real Estate loans built for your needs


See if you pre-qualify for an SBA 7(a) Commercial Real Estate Loan in as little as 5 minutes.


SEE IF YOU PRE–QUALIFY

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