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 COMMERCIAL REAL ESTATE

Buy Commercial Real Estate with a Low-Cost SBA (7A) Loan

With fully-amortizing 25-year terms as well as fixed and variable interest rates ranging from 7.00% to 8.25%*, SBA 7(a) loans 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. The rent replacement option with minimal down payment, offered by our preferred SBA lending banks, lets you keep more of your cash to invest in growing your business.

How It Works

1. Pre-Qualify

You can pre-qualify in as little as five minutes without impacting your credit score. Simply provide basic information on-line we'll automatically tell you if you are pre-qualified for an SBA Commercial Real Estate Loan from $500K 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) outlining details of the SBA Commercial Real Estate Loan so you can negotiate terms with the property seller.

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 through the loan closing process. Funds can be wired for closing in as fast as 30 days after credit approval.

Small Business Loans without Real Estate

Invest in the future of your small business with a low-cost SBA Loan

How it works

1. Pre-Qualify Without Impacting Your Credit

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 loan from $30,000 to $350,000. If you don’t pre-qualify, you may be offered the opportunity to opt in for our bank partners’ Bank Term loan option without re-submitting any information. 

2. Provide Financial Information

Tell us how you plan to use your funds and provide financial information about your business and its owners. Your SmartBiz Loans Relationship Manager is here to assist you at any point in the process.

3. Get Funded

Upload requested documents to complete your application. We’ll review your financials to confirm your business has the cash flow to afford the monthly loan payments. Funds can then be in your bank account in as fast as 7 days after your application is complete.