Blog
Practical, in-depth articles on financing owner-occupied commercial real estate. From SBA basics to advanced deal structuring.
How to Read an SBA Authorization (Loan Approval Letter)
The SBA Authorization is the most important document in your loan process. Learn what every section means, what conditions to watch for, and what you can negotiate.
What Is a CDC and How Does It Work in SBA 504 Lending?
Certified Development Companies are the backbone of SBA 504 lending. Learn what CDCs do, how to find one, and what role they play in your loan.
The Role of Collateral in Commercial Real Estate Lending
Understand how collateral works in commercial real estate loans, including lien positions, SBA collateral policies, shortfall handling, and cross-collateralization.
Construction and Renovation Loans for Owner-Occupied Properties
Learn how SBA construction and renovation loans work, from interim financing and change orders to contingency reserves and final disbursements.
How Personal Credit Scores Affect Your SBA Loan Application
Your personal credit score plays a major role in SBA lending decisions, but it is not the only factor. Learn what lenders actually look for, the minimum thresholds, and how to strengthen your credit profile before applying.
SBA Loan Eligibility: Does My Business Qualify?
Not every business qualifies for SBA financing. Learn the key eligibility requirements including size standards, NAICS codes, ownership rules, and what the SBA looks for in your background.
Refinancing Your Commercial Property with an SBA Loan
Refinancing an existing commercial mortgage with an SBA loan can lower your payments, free up cash flow, or fund improvements. Learn when it makes sense, what the SBA requires, and how cash-out rules work.
Commercial Real Estate Appraisals: What Borrowers Need to Know
A commercial appraisal is one of the most important steps in financing owner-occupied real estate. Learn how appraisers determine value, when two appraisals are required, and what happens when the value comes in short.
What Is an Equity Injection and How Can I Meet the Requirement?
Every SBA loan requires the borrower to have skin in the game. Learn what qualifies as an equity injection, what does not, and creative ways to meet the requirement without draining your savings.
The SBA Loan Process: A Step-by-Step Timeline from Application to Closing
A realistic timeline of the SBA loan process from initial application through closing, with practical tips on what happens at each stage and how to avoid common delays.
Understanding Debt Service Coverage Ratio (DSCR) and Why It Matters
The Debt Service Coverage Ratio measures whether your business generates enough cash flow to cover its loan payments. Learn how to calculate it, what lenders expect, and how to improve yours.
How Much Down Payment Do I Need to Buy a Commercial Building?
Down payment requirements for commercial buildings range from 10% to 30% depending on the loan type. Learn what each program requires and how to reduce your out-of-pocket costs.
SBA 7(a) vs. SBA 504: Which Loan Is Right for Your Business?
A side-by-side comparison of SBA 7(a) and SBA 504 loans covering structure, rates, terms, down payments, and eligible uses to help you choose the right program for your commercial property purchase.
What Does Owner-Occupied Mean in Commercial Real Estate Financing?
Owner-occupied commercial real estate means you run your business from the property you own. Learn how the 51% rule works, why lenders care, and how it unlocks better loan options.