Inquire about our express SBA Loan!

Commercial Real Estate Loans –
Purchase or Refinance

Finance Owner Occupied Business Property with No Down Payment

100% commercial real estate financing is available up to $5 million for owner occupied properties with an SBA loan and most existing SBA-eligible small businesses are eligible. At a minimum, you must have the following to qualify:

  • Time in business must be above 2 years
  • The business owner’s personal credit score must be above 670
  • The real estate must be majority owner-occupied, i.e. at least 51% of the square footage of the property you’re buying must be occupied by and used by your business
  • Sufficient business and personal cash flow to service all debt payments, demonstrated by 2 years of tax returns and interim financial data
  • No delinquencies and/or defaults on government loans

100% Commercial Loans Require That You Already Own The Business

The 100 percent commercial loan for real estate requires that you already own the business. It is NOT for someone buying both a business and a building, because as of January 1, 2018 the SBA requires a 10% down payment on a business acquisition.

Excluded businesses:

  • Gambling
  • Life insurance
  • Religious teaching
  • Primarily political and lobbying activities
  • Oil wildcatting
  • Mining
  • Mortgage servicing
  • Real estate development
  • Bail bond
  • Pawn or private clubs


  • Debt Refinance
  • Equipment Purchases
  • Working Capital
  • Vehicle Purchases
  • Select Franchise Concepts

Easy, Streamlined Process From Application to Funding

  • Not Your Typical SBA Loan Experience
  • No application fee and low closing costs
  • Increased Cash Flow to Invest In and Expand Your Business
  • Long Repayment Terms for Lower Monthly Payments
  • No Pre-payment Penalties

To learn more about how commercial real estate loans could help your business thrive, be sure to get in touch with the small business lenders at IGH Funding.

Contact Us Today