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Your complete knowledge base for owner-occupied commercial real estate financing. Browse by topic, explore our loan program guides, or use our free calculators.
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New to commercial real estate financing? Start here.
2 articlesSBA Loans
Deep dives into SBA 7(a), 504, and specialized programs.
5 articlesDown Payments & Equity
Understanding equity injection and down payment requirements.
2 articlesDebt Service & Cash Flow
DSCR, cash flow analysis, and what lenders look for.
1 articleLoan Process
Timelines, documentation, and what to expect.
3 articlesEligibility & Compliance
Size standards, credit requirements, and SBA rules.
2 articlesCollateral & Appraisals
Lien positions, valuations, and collateral policies.
2 articlesRefinancing
When and how to refinance commercial property.
1 articleLatest Articles
View all →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.
Franchise Financing: Using SBA Loans to Open or Buy a Franchise
SBA loans are the most common way to finance a franchise. Learn about the SBA Franchise Directory, addendum requirements, and how franchise fees are handled.
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.
Working Capital in SBA Loans: What It Is and How to Include It
Find out how working capital fits into SBA loan structures, the difference between permanent and revolving working capital, and how to justify your request.
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.
Not Sure Where to Start?
Try our free calculators to get a quick sense of what you can afford, or browse the FAQ for answers to common questions.