Buy Commercial Real Estate with up to 100% Financing

Get 100% Financed SBA commercial real estate loans of up to $5 million for purchasing owner-occupied properties, with 25-year loan terms.

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SBA Commercial Real Estate Loans

100% Financing: The Spartan Advantage

Loans Up to $5M

Purchase owner-occupied commercial real estate for your business with loans up to $5 million with SBA 7a or 504 loans.

25-Year Loan Terms

Our extended loan terms offer a manageable repayment schedule, allowing you to focus on growing your business without the stress of short-term debt.

Preserve Liquidity

Preserve your cash flow and working capital with up to 100% financing, allowing you to invest in other areas of your business.

Pre-Requisites for SBA Commercial Real Estate Purchases

Get SBA commercial real estate loans of up to $5 million for purchasing owner-occupied properties, with 25-year loan terms for manageable repayments. Preserve your cash flow by securing up to 100% financing, enabling investments in various business aspects while repaying the loan.

  • SBA Commercial Real Estate Purchase (SBA 7a)

  • SBA Commercial Real Estate Purchase or Refinance (SBA 504)

  • Minimum FICO Score: 640 Experian model v2
  • Time in Business: 2 years for 100% financing; startups also allowed
  • Notes:  The borrowing business must occupy at least 51% of the rentable square footage. Expansion requests for strong businesses may be eligible for 100% financing.

    • Benefits of Owning Commercial Real Estate

    Start getting the benefits of owning: property appreciation, depreciation tax benefit, and interest write-offs. Your business may also be worth more in the future if sold with real estate. Talk to our dedicated team about getting started today.

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    What Sets Us Apart

    • Pre-Qualification Assistance: Our team of experts explains the process and helps you assess your SBA eligibility before you start the application process.
    • Loan Documentation Support: We assist you in preparing and submitting all the necessary documentation required for your SBA loan application, minimizing errors and delays.
    • Flexible Options: No business is the same. We don’t try to put yours into a box; we partner with you to find the right solution.
    • Our Team of SBA Bankers: Started by former bankers, Spartan understands all aspects of lending. We’re your advocate, and we get it right the first time.

    How to Apply for the SBA Commercial Real Estate Loan?

    Applying for the SBA Commercial Real Estate loan is easy and convenient.

    1. Click on the APPLY HERE button below to start your online application.
    2. Fill out some basic information about yourself and your business.
    3. Submit your application
    4. You’ll receive an automatic email reply with instructions for uploading any required document(s).
    5. You’ll receive a decision within 24 hours and funding within 7 days or less.

    Have 5 Minutes? Apply Online

    Check to see if you pre-qualify without impacting your credit score.

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