Owner-user acquisition
Structured around the property, sponsor, leverage, timing and lender requirements.
Discuss this scenario →BLUEPRINT COMMERCIAL LOANS / SBA COMMERCIAL REAL ESTATE FINANCING
Owner-User & SBA Financing
For eligible owner-occupied commercial real estate and business-purpose transactions, SBA-backed financing can be an important option. We help organize the real estate, business and guarantor information needed for lender review.
Commercial Real EstateBusiness PurposeExecution Focused
FINANCING USE CASES
Where this financing can fit.
Every transaction is subject to lender underwriting and program availability. The goal is to identify a credible financing path based on the actual deal—not force the deal into a generic box.
Commercial real estate refinance
Structured around the property, sponsor, leverage, timing and lender requirements.
Discuss this scenario →Business acquisition + real estate
Structured around the property, sponsor, leverage, timing and lender requirements.
Discuss this scenario →Eligible improvements / equipment
Structured around the property, sponsor, leverage, timing and lender requirements.
Discuss this scenario →UNDERWRITING READY
What to have ready.
The more complete the initial picture, the faster a lender can understand the opportunity and identify the real questions.
Business financials
Include this when available so the financing request can be screened efficiently.
Personal financial statement
Include this when available so the financing request can be screened efficiently.
Real estate schedule when requested
Include this when available so the financing request can be screened efficiently.
Purchase contract or payoff
Include this when available so the financing request can be screened efficiently.
Use of proceeds
Include this when available so the financing request can be screened efficiently.
Ownership and occupancy details
Include this when available so the financing request can be screened efficiently.
THE BLUEPRINT APPROACH
Structure first. Then lender alignment.
Commercial financing is rarely just a rate quote. Property type, leverage, cash flow, sponsor experience, liquidity, equity, project status and exit strategy can all change the financing path.
Blueprint Commercial Loans focuses on organizing those variables into a concise financing request so the transaction can be evaluated on its actual merits.
Related financing:
Commercial Bridge Loans →
Commercial Construction Loans & Ground-Up Financing →
Multifamily Loans & Apartment Financing →
Commercial Refinance & Cash-Out Loans →
EXPLORE RELATED FINANCING
Prepare the owner-user financing request before lender review.
Owner-user and SBA-related financing is documentation-driven. Use these guides to organize sponsor financials, property information and the complete loan package.
Commercial Loan Document Checklist
Organize the documents that help a commercial financing request move faster.
Read the guide →PFS & REO Schedule Guide
Learn why lenders ask for sponsor liquidity, net worth and real estate ownership schedules.
Read the guide →Commercial Loan Underwriting Guide
See how lenders evaluate leverage, cash flow, sponsor strength, collateral and exit strategy.
Read the guide →Current Lending States
Review the current geographic footprint before submitting a transaction.
View lending states →FREQUENTLY ASKED QUESTIONS
Questions borrowers ask before submitting.
When can SBA financing be used for commercial real estate?
SBA financing may be available for eligible owner-occupied commercial real estate and qualifying business-purpose transactions. Eligibility, occupancy, use of proceeds and borrower requirements must satisfy the applicable SBA program and lender guidelines.
What is the difference between SBA 7(a) and SBA 504?
At a high level, SBA 7(a) can support a broader range of eligible business purposes, while SBA 504 is commonly used for qualifying fixed assets such as owner-occupied real estate and equipment. Final structure and eligibility should be confirmed with the SBA lender.
What documents help with an SBA real estate request?
Expect requests for business financials and tax returns, personal financial information, ownership details, purchase or refinance terms, property information, use of proceeds and documentation supporting business operations and repayment ability.
HAVE A TRANSACTION?
Send us the blueprint.
Start with the property, capital request, sponsor profile and exit strategy.