SBA Commercial Real Estate Loans

commercial real estate

Buy, refinance, and expand with a low-cost SBA 7(a)

Purchase or refinance Commercial Real Estate with an SBA loan

With fully-amortizing 25-year terms and variable interest rates ranging from 4.75% – 6.00%¹, SBA 7(a) loans offered from banks in the Express Capital network are a great option for small businesses looking to refinance an existing commercial real estate mortgage, or buy an office building or other owner-occupied commercial space.

Get Instant Approval Now

Loans Approved from 10k to 500k in 30 Seconds or Less

Step 1 of 3

Applying does NOT affect your credit
Loans offered in the United States and Canada ONLY
Full Name*
Business Name*
Phone Number*
Email Address**
Services you are interested in (Check all that apply)*
- Invoice Factoring
- Line of Credit
- Business Loan
- Equipment Financing

Amount Requested*
How is Your Credit?*
Existing Business Loans*
Type of Business*
Monthly Bank Deposits*
Hidden
Amount Received
Business Start Date*
Have you filed for bankruptcy in that last 7 years?*
Are you currently seeking funding from another Lender?*

Is your business physically located inside the United States or Canada?
Have you ever been convicted of a felony?*
How soon would you like to get funded?*
How did you hear about us?*
Have you ever defaulted on a Business Loan before?*

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

Provide Financial Information

Tell us how you plan to use your funds and provide financial information about your business and its owners. Your Express Capital Funding Specialist is here to assist you at any point in the process.

Accept Your Letter of Intent

You will receive a non-binding letter of intent (LOI) from a bank in the Express Capital network 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 Express Capital Funding Specialist 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.

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)