We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
SBA Real Estate Financing For Owner-Occupied Properties
Searching for an SBA loan commercial real estate usually means you want to buy an owner-occupied building, refinance your operating property, or combine a business acquisition with real estate in one financed transaction.
The failure mode is predictable. Borrowers chase an SBA lenders list, submit incomplete files, then stall in underwriting with repeated questions and no clear path to a term sheet.
Financely fixes that by building the deal package and introducing you to SBA-active lenders in our network. You get a lender-ready file, targeted outreach, and a structured path to quotes for an SBA commercial real estate loan.
An SBA commercial real estate loan is designed for operating businesses that occupy the property. Owner-occupancy is the key phrase because it defines program fit. When lenders see “owner-occupied,” they understand the building is part of the business engine, not a passive rental asset. That is why most searches for SBA loan for real estate investment do not match SBA credit appetite unless the investment is operationally linked to the borrower’s business.
Most borrowers looking for SBA loans for commercial real estate want long amortization, a manageable equity contribution, and underwriting that can consider business cash flow along with property fundamentals. The two most common structures are SBA 7a commercial real estate loans and the SBA 504 loan for commercial real estate.
External reference for program basics: SBA 7(a) Loans and SBA 504 Loans.
Borrowers often ask for the best SBA loan for real estate as if there is one winner. In reality, “best” means the program matches your use of proceeds and closes cleanly. A 7(a) structure is often used when the transaction includes multiple uses of proceeds, while 504 is purpose-built for fixed assets and owner-occupied properties.
SBA 7a commercial real estate loans are commonly used for an SBA loan real estate purchase that also includes working capital, equipment, improvements, or a business acquisition component. If you are “buying a business with real estate” and want one coordinated underwriting path, 7(a) is often the most practical route.
If your transaction includes acquisition dynamics, review: Business Acquisition Loans.
The SBA 504 loan for commercial real estate is commonly used for owner-occupied buildings and long-life equipment. The structure typically includes a bank portion and a CDC-backed portion, which means coordination and document readiness become central to speed.
A borrower searching using SBA loan to buy real estate often benefits from 504 when the goal is stable fixed-asset financing with a clean asset focus.
People search SBA commercial real estate loan requirements because they want clarity before they waste weeks. Requirements vary by lender, but lenders consistently evaluate the same fundamentals: owner-occupancy, borrower credit, verifiable cash flow to service debt, credible equity injection, and a file that answers obvious questions without back-and-forth.
We treat “requirements” as a packaging discipline, not a checklist you discover mid-process. That is the difference between “submitted” and “underwritten.”
Owner-occupancy definition: owner-occupied means the operating business uses the property as part of its operations. This is why many SBA real estate investment loans searches do not convert, because SBA lenders are underwriting operating cash flows, not pure rent rolls.
Searches for SBA commercial real estate loan down payment are really searches for cash planning. Lenders want the borrower to have real skin in the game, and the exact equity expectation depends on risk profile: property type, transaction complexity, borrower strength, and whether there is construction, special-use risk, or an acquisition overlay.
A strong file does not just show the equity contribution. It shows liquidity after closing, a clean sources-and-uses summary, and reserves that make the lender comfortable that the business can survive minor shocks without missing payments.
Borrowers search SBA real estate loan rates and SBA commercial real estate loan interest rate expecting a universal table. Rates are lender-specific and profile-specific. The same borrower can receive meaningfully different quotes across lenders based on DSCR strength, documentation quality, industry profile, and the lender’s internal appetite at the time of submission.
Your controllable lever is not guessing the rate. Your controllable lever is presenting a file that reduces underwriting uncertainty. Lower uncertainty improves pricing outcomes, reduces conditions, and shortens time-to-term-sheet.
A borrower using an SBA commercial real estate loan calculator or SBA real estate loan calculator is usually trying to answer: “Can I afford this payment?” Lenders ask a sharper question: “Can the business support debt service under conservative assumptions?” That is why DSCR and stabilized cash flow matter more than a single payment number.
If you are using a commercial real estate loan calculator SBA style, model these items explicitly: total project cost, credible NOI or business cash flow, conservative expenses, and downside cases. The deals that clear credit are the ones where the borrower already understands sensitivities.
We see repeat patterns behind searches like SBA loan to buy real estate, SBA loan for real estate purchase, and buying real estate with SBA loan. Each pattern has different lender questions and different failure points, which is why generic “near me” directories do not solve execution.
Owner-occupied purchase transactions where the business will operate from the building. This is the classic SBA loan to buy commercial real estate use case.
Buying the business and the building together. If you are “using SBA loan to buy real estate” as part of buying the operating company, packaging must separate operational cash flow from property economics without confusion.
Refinance scenarios where the borrower wants long-term stability and improved cash management. Underwriting still hinges on cash flow and documentation, not just the property.
Some searches for SBA loan for real estate development are actually renovations or build-outs. These require better budgets, contractor documentation, draw logic, and contingency planning.
This is not a directory service and it is not a generic lead form. This is a structured placement service where we build your lender-ready package, position the transaction properly, and introduce it to lenders that actually do SBA commercial real estate loans in your size range and geography.
We operate as a transaction-led desk. That means the output is a term sheet process, not open-ended consulting. If you want the broader scope of our approach, review What We Do and How It Works.
Borrowers often waste time blasting submissions from an SBA lender directory and hoping someone bites. That strategy creates inconsistent narratives, repeated document requests, and fragmented conversations that are hard to manage.
Financely routes your file through a lender network of SBA-active banks and lending partners, with introductions based on deal type, geography, transaction size, and profile fit. The benefit is not just access. The benefit is fewer dead ends and higher-quality lender engagement because the file arrives in a format lenders recognize.
If you want an SBA tool reference for general lender discovery, SBA’s Lender Match explains the concept. Our service is different because we package and introduce, rather than route raw inquiries.
A lender-ready package is a structured narrative with evidence. It reduces underwriting friction and makes it easier for a lender to issue terms without chasing you for basics. We build the package so your file is internally readable by credit teams.
The point of a packaging-and-introductions service is measurable progress. The expected outcomes are lender terms, lender feedback, or written declines based on underwriting. That clarity matters because “silence” is often just a symptom of incomplete files and misrouted submissions.
If your transaction is acquisition-linked, also see our related pathway: Business Acquisition Loans.
Yes, when the real estate is owner-occupied or tightly linked to operating business use. Many searches for SBA loan for real estate are actually looking for passive rental financing. SBA programs are generally structured to support operating companies, so owner-occupancy is the central concept lenders will evaluate.
The best program depends on how you are using the proceeds. If you need flexibility for real estate plus business needs, SBA 7(a) commercial real estate loans are often a fit. If the focus is fixed assets and owner-occupied property, the SBA 504 loan for commercial real estate is often the cleaner option. “Best” means clean underwriting and program fit, not marketing claims.
We can help you build lender-grade affordability assumptions, but any SBA commercial real estate loan calculator is only a starting point. Lenders evaluate DSCR, downside cases, and liquidity after closing. We help you present those items clearly so the lender conversation begins with credible inputs.
We operate as a structured packaging and lender-introduction service. Pricing depends on transaction complexity and scope. You request a quote, we confirm fit, then we proceed with packaging and introductions under agreed terms.
If you are pursuing an SBA loan to buy commercial real estate, submit your transaction to request a quote. We will confirm program fit, package the file, and introduce it to matching SBA-active lenders.
Request A QuoteSBA real estate loans move when the package is clean, the lender fit is real, and the borrower is ready for underwriting questions.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
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All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
Financely and its affiliates are not registered as securities broker-dealers and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.
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