SBA Loans for Commercial Real Estate
At Estates of Elysium, we help small business owners unlock long-term growth through strategic SBA loan solutions. Whether you're purchasing your first commercial property or expanding operations, our SBA-backed options offer low down payments, fixed rates, and long amortizations to support your success in today's market.
About SBA Loan Programs
SBA (Small Business Administration) loans are government-backed financing solutions that allow business owners to access more favorable terms than traditional loans. With our experience in debt and equity placement, Estates of Elysium structures SBA 504 and 7(a) loans around your business goals—so you can secure the capital you need without unnecessary risk.
We work with Certified Development Companies (CDCs), banks, and non-bank lenders nationwide to help qualified buyers access fixed-rate financing, preserve working capital, and leverage SBA’s full potential for wealth-building through real estate.
SBA 504 Loans
Ideal for property acquisition, expansion, or modernization
Eligible Property Types:
Warehouse/Industrial, Mixed Use, Retail, Medical/Healthcare, Self Storage, Hotel/Motel, Restaurants, Daycare, Assisted Living
Loan Amounts:
Up to $5M ($5.5M for manufacturing & energy-efficient projects)
Rates & Terms:
Interest Rate: Tied to 5- and 10-year Treasury yields
Term: 10 or 20 years
Amortization: 10 to 30 years
Max LTV: Up to 90% (Hospitality capped at 85%)
DSCR: Minimum 1.20x
Debt Yield: 7–8%
Recourse: Full recourse with personal guarantees
Prepayment: 10-year declining penalty; loan is assumable
Collateral: Project assets and personal guarantees
Advantages:
Fixed, below-market rates
As little as 10% down
Includes soft costs like appraisals, legal, and environmental
Predictable monthly payments with long amortization
SBA 7(a) Loans
Best for general business financing, including real estate purchases
Eligible Property Types:
Office, Industrial, Mixed Use, Retail, Medical, Self Storage, Hotel/Motel
Loan Amounts:
Up to $5 million
Rates & Terms:
Interest Rate: Prime + up to 2.75%
Term: Up to 25 years for real estate
Max LTV: 75% for loans over $150,000
DSCR: Minimum 1.25x
Recourse: Full recourse; personal guarantees for 20%+ owners
Prepayment Penalty: Applies for 3 years on loans ≥15 years
Guaranty Fee: 3.5% on first $1M; 0.25% above $1M
Collateral: Required up to full loan amount
Advantages:
Flexible use: real estate, working capital, equipment
Backed by the SBA—less restrictive underwriting
Competitive capped rates
Options for both term loans and revolving lines of credit
Technology
Streamline your development strategy with data-driven financing
At Estates of Elysium, we leverage advanced technology and insights from thousands of real estate projects to deliver fast, accurate, and tailored pricing. Our systems are built to move at the speed of your vision—so you can secure funding, manage progress, and scale smarter.
Fast Closings
With a streamlined process and underwriting built around real-world performance metrics, you can move forward with confidence and close without unnecessary delays.
Tech-Driven Insights
Modern lending platform that uses market data, property analytics, and rental performance to deliver customized loan terms—not cookie-cutter quotes.
Digital Integration
From application to closing, everything happens online. Upload documents, track your loan status, and get real-time updates without the back-and-forth.
Financing That Fits
Our approach combines speed with accuracy, providing flexible capital solutions designed to keep your commercial development on schedule and competitive.
Why Work with Estates of Elysium?
Strategic Lending for Long-Term Growth
At Estates of Elysium, we go beyond loan matchmaking—we help you plan for capital efficiency, long-term ROI, and market positioning. Our team leverages deep lender relationships and a real estate investment background to get your project financed quickly and smartly.
Whether you're a small business seeking your first owner-occupied property or scaling your footprint, our SBA specialists are ready to guide you every step of the way.
Frequently Asked Questions
Answers to Your SBA Loan Questions
Q. Can SBA 504 loans finance both real estate and equipment in a single transaction?
A. Yes. The SBA 504 program allows financing of real estate and long-lived equipment simultaneously. You can structure two separate 504 loans—for example, a 20-year loan for the building and a 10-year loan for equipment. Or combine them into one loan if the weighted useful life remains at least 20 years.
Q. Are SBA 504 loans available for startups or special-use properties?
A. Yes, but additional equity is typically required. Startups or special-use properties (like hotels or car washes) usually require 15% down, and if you're both a startup with a special-use asset, that can rise to 20% equity.
Q. How are interest rates determined for SBA 504 loans?
A. 504 loan rates are fixed and tied to market conditions via a monthly debenture auction. Rates are set based on current 5- or 10-year U.S. Treasury yields and apply uniformly nationwide.
Q. Can SBA 7(a) loans provide 100% financing?
A. In rare cases, yes. While SBA mandates at least 10% borrower equity, lenders may occasionally finance the full amount—especially when supplemented with seller financing—to accommodate more flexible deal structures.
Q. Do SBA 7(a) loans require collateral beyond the purchased asset?
A. Possibly. If the value of the asset isn’t sufficient, lenders can require additional collateral—even personal assets. SBA policy compels lenders to secure the loan to the fullest extent possible .
Q. What other SBA loan programs exist beyond 504 and 7(a)?
A. Beyond the 504 and 7(a), the SBA offers CAPlines (for short-term working capital), Export Loans, Microloans, Surety Bonds, and disaster-recovery financing. The 7(a) is the most popular, but there are at least seven total SBA loan types.
Resources
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Why Industrial Real Estate Still Outperforms in a High-Rate Market
Despite elevated interest rates, demand for industrial space remains strong due to sustained e-commerce growth and supply chain restructuring. Investors are prioritizing logistics and last-mile distribution centers, where rental rates continue to climb.
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Multifamily Resilience: What Class A vs. Class B Trends Tell Us in 2025
Rising borrowing costs have pushed more renters into Class B and value-add multifamily units, while luxury developments face higher vacancy risks. Smart investors are targeting stabilized workforce housing in high-demand metros for long-term upside.
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Office Space Is Evolving, Not Dying—Here's Where the Opportunities Are
Hybrid work models and flexible layouts are redefining demand, especially in suburban Class B/C conversions and medical office buildings. While traditional core office struggles, niche opportunities are emerging in specialized and adaptive reuse plays.
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Hospitality is Back: How Hotels Are Bouncing Back in Lifestyle and Extended Stay
Travel demand has returned, but investor interest is shifting toward extended stay and boutique/lifestyle hotels with higher margins and longer bookings. Creative capital stacks and repositioning strategies are helping operators thrive even amid rising cap rates.
Elevate your build-to-sell, build-to-rent, or commercial developments with financing solutions from Estates of Elysium. We combine strategic capital, industry insight, and modern tools to help you bring your vision to market—faster and smarter. More than just funding, we’re a hands-on partner committed to helping you turn plans into profitable, long-term assets.
