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SBA Commercial Real Estate Loans With 100% Financing

Purchase commercial real estate up to $5 million with no money down using SBA 7(a) financing.

Ready to get started?

Stop Leasing and Start Owning Your Commercial Space!

 

Are you leasing space for your business? Considering purchasing commercial property? You'll quickly discover that banks typically require down payments of 25% or more, which may keep you stuck at leasing.

If you don't purchase commercial space for your business, you will miss out on:

❌Building wealth through equity appreciation
❌Creating passive income by renting part of your commercial building to tenants
❌Utilizing tax write-offs such as depreciation and loan interest.

Businesses should consult a tax adviser for further information regarding the deductibility of depreciation and interest.


At LoanBud, we have helped countless self-employed individuals just like you get approved for an SBA 7(a) loan with 100% financing.

 

LoanBud is a Division of BayFirst, an SBA Preferred Lender

Why LoanBud?

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UP TO 100% FINANCING

We allow for zero down on the purchase of 51% or more owner-occupied commercial property, allowing you to preserve liquidity.

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CAPITAL FOR OTHER BUSINESS NEEDS

In addition to real estate, you can receive funds for inventory, equipment, working capital, and more, all in one business loan request.

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RELIABLE SERVICE

Our SBA Preferred Partner status allows us to make credit decisions internally, saving you time and providing you with reliable answers. We have funded over $1 Billion in SBA 7(a) loans.

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Trust Your Business to an SBA Preferred Partner

 

Most small business owners struggle to purchase commercial real estate because of the large down payments required by banks. At LoanBud, we help entrepreneurs purchase commercial real estate with 100% financing so they can enjoy the benefits of owning commercial property while preserving liquidity.

 
As a Preferred Partner with the Small Business Administration (SBA), we have the experience and track record to guide you to a successful closing.
 

Getting an SBA self-employed mortgage Loan with LoanBud is as Easy as 1, 2, 3...

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Schedule a Consultation

Speak with one of our experienced loan officers who will understand your goals and help create a plan.

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Know Your Options

Discover your SBA loan options and learn what we will need to get you approved.

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Close Your Loan

Relax as we guide you through a stress-free loan process so you can receive your funding.

FAQ

How does your SBA Preferred Lender Program (PLP) status benefit me?

Our PLP status allows us to bypass the SBA and make credit decisions internally, which can save you weeks of processing time. Our SBA Express Loans can be funded in as little as 10 days from receipt of the completed application package. And since we have the authority to make our own credit decisions, we can get you an answer quickly and won't drag you through the mud.

What documents do I need to provide?

There are several documents you will need to provide when applying for an SBA loan:

 

  • Personal Background and Financial Statement
  • Business Financial Statement
  • Business Certificate/License
  • Loan Application History
  • 3 Years Income Tax Returns
  • Resumes
  • Business Plan Overview and History
  • Business Lease

We understand that applying for an SBA loan can be overwhelming, which is why we will guide you through every step of the process and help properly present your loan request. Schedule a consultation with a LoanBud loan officer to review your documentation and make a plan.

What are the interest rate and terms on my SBA commercial real estate loan?

The SBA caps the interest rate that lenders can charge, which means it's usually below the market rate. Most SBA 7a loans are based on the prime rate plus a margin not to exceed 2.75%, which as of today would equate to a maximum interest rate of 6.25%.

 

A typical bank loan comes with a 15-year repayment term, with balloon provisions that require refinancing every few years. SBA loans that include a real estate component can be repaid on a 25-year term, leading to lower monthly payments, and do not have balloon payment features.

How long is the process to get my SBA commercial real estate loan?

Funding is typically within 30-60 days from the receipt of the completed loan application, depending on the size and scope of the project. If you work with a non-PLP lender, the processing times will be much longer.

What is the minimum credit score for SBA commercial real estate loans?

SBA commercial real estate loans require a minimum FICO score of 650.

Can I use my SBA commercial real estate loan for other business expenses?

Yes! One of the great features of self-mortgage loans is the ability to include other business needs into your loan request, including funds for equipment, inventory, working capital, and more.

Does my business need to occupy the commercial real estate that's being purchased with SBA financing?

Yes, SBA financing is only for owner-occupied businesses, which by definition means your business needs to occupy at least 51% of the total commercial space.

Can I lease parts of the commercial property that I purchased?

As long as your business occupies at least 51% of the space, you are able to rent out the remaining 49% and take advantage of the cash flow generated from leasing your property.

How do I get an SBA loan with 100% financing?

At LoanBud, we allow established businesses to purchase commercial real estate using an SBA loan with 100% financing. To get 100% financing, your business must be in operation for at least 2 years and have a track record of making lease payments comparable to that of the new SBA loan payments. For startups, we typically require a 10% down payment. Schedule a consultation to learn more about how you can get an SBA loan for commercial real estate with 0 down.

We Believe Small Business is the backbone of America.

 

We understand as a business owner, you want to be successful, and we know how hard you've already worked to get here. You want to build for your future by purchasing a commercial property, but in order to achieve your goals, you'll need a self-employed mortgage loan. The problem is that conventional bank loans require high down payments of 25%.

We believe small businesses need cash to grow and that depleting liquidity by requiring massive down payments is just wrong. That's why we allow our customers to get self-employed mortgage loans to purchase commercial property with up to 100% financing. Even when you're a freelancer and don't have bank statements, fill up the 1099 mortgage form to get a loan easily.

 

Here’s how it works:

1) Schedule a Consultation

2) Know Your Options

3) Close Your Loan

 

Request a free consultation today so you can stop leasing and start your self-employed mortgage through LoanBud.

 

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GROW YOUR BUSINESS

LoanBud FlashCap™ SBA Loans provide up to $350,000 for working capital, equipment, inventory, and more.

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BUY A BUSINESS

Acquire an existing business or franchise, buy out a partner, or purchase a book of business.

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LoanBud is a Division of BayFirst National Bank, N.A., Member FDIC, Equal Housing Lender NMLS ID 806183 Copyright © 2022. All rights reserved.
*Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

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