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SBA Loans: Build Your Legacy with 90% Leverage

Stop leasing your growth. Own the dirt.

Commercial Lending USA empowers business owners and real estate investors to transition from rent-paying tenants to property owners. By leveraging the SBA 7(a), 504, and Express programs, we provide a path to 90% financing that traditional commercial lenders simply cannot match.

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Strategic Financing
Strategic Financing

Strategic Financing for Real Estate Investors

Traditional commercial loans often require 25% to 35% down, tying up your liquidity and slowing your growth. At Commercial Lending USA, we specialize in SBA 7(a) and 504 loan programs specifically designed for real estate. These programs allow you to acquire, construct, or refinance owner-occupied commercial properties with as little as 10% down.

Whether you are looking to purchase a warehouse, a medical office, or a specialized hospitality property, our team leverages 30 years of underwriting abilities to ensure your deal reaches the finish line. In contrast, others get stuck in bank red tape.

SBA Real Estate Loan Product Highlights

SBA 504: The "Investment Powerhouse"

Best for Ground-Up Construction & Large-Scale Acquisitions. The 504 program is the gold standard for long-term wealth creation. It separates financing into a low-interest bank loan and a fixed-rate SBA debenture.

  • Maximum Loan Amount: Up to $15 Million+
  • High Leverage: Up to 85% (LTV/ LTC).
  • Terms: Fully amortized over 25 years with no balloon payments.
  • Fixed Rates: Lock in below-market long-term fixed rates to protect against inflation.
  • Strategic Use: Ground-up construction, land acquisition, and large-scale industrial or hospitality assets.

SBA 7(a): The Versatile Closer

Best for Mixed-Use Property. If your real estate deal includes renovating existing properties, or a need for rapid debt consolidation.

  • Maximum Loan Amount: Up to $5 Million.
  • Terms: Up to 25 years for real estate transactions.
  • Fast Underwriting: With our specialized internal review, we help you prepare a "bank-ready" package to accelerate the typical 60–90-day bank timeline.
  • Strategic Use: Acquisition of specialized facilities (medical, veterinary, assisted living) and refinancing high-interest bridge debt into a single, low-payment structure.

SBA Express Loan: The Fast-Track Solution

For smaller projects or immediate working capital needs, the SBA Express loan offers the quickest turnaround in the SBA portfolio.

  • Maximum Loan Amount: Up to $500,000.
  • Fast Response: Accelerated SBA review with a 36-hour response time.
  • Flexible Structure: Can be used as a term loan or a revolving line of credit (up to 7 years).
  • Minimal Hassle: Streamlined documentation requirements designed to get you funded faster.
  • Strategic Use: Minor renovations, earnest money liquidity, or "quick-close" capital for smaller commercial units.

Why Choose Commercial Lending USA for SBA Real Estate?

Navigating the SBA "Standard Operating Procedure" (SOP) requires a specialist. Most "business loan" brokers don't understand the real estate stack. We do.

Asset-Focused Underwriting

We first assess the real estate's value and the project's feasibility.

200+ Private Lenders and Investors Network

We don't just go to one bank; we shop your real estate deal across our exclusive network of SBA-preferred lenders to find the best rate and highest approval probability.

Bank-Ready Preparation

We handle the heavy lifting, from environmental reports to debt-service coverage (DSCR) modeling, ensuring your file is approved the first time.

Streamlined Process

We manage the heavy documentation, from environmental reports to appraisals, ensuring your 90% leverage deal doesn't fall through due to technicalities.

Does Your Property Qualify?

To qualify for these high-leverage real estate programs, the property generally must meet the "Owner-Occupied" requirement (typically 51% for existing buildings or 60% for new construction). This is perfect for:

Industrial/Warehouses

Consolidate your operations and stop paying rent.

Medical & Professional Offices

Own your space and build equity.

Hotels & Hospitality

Specialized SBA programs for experienced operators.

Self-Storage & Special Use

Unique asset classes where we have deep expertise.

If you are ready to stop paying rent and start building real estate equity with only 10% down, speak with one of our consultants today.

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