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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.
1 articleSBA Loans
Deep dives into SBA 7(a), 504, and specialized programs.
2 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.
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.
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.