SBA Business & Real Estate Loans
Government-backed SBA loans provide small business owners with long-term, low-down-payment capital for purchasing business real estate, equipment, business acquisitions, or working capital.
Small Business Owners & Entrepreneurs
Send Oakley your scenario for a personal review against 300+ wholesale lenders — no application submitted until you say go.
Program at a Glance
- Down Payment
- ≈ 10%+ (commonly; varies)
- Credit Score
- Strong personal/business credit
- Occupancy
- Owner-occupied (51%+)
- Term
- Up to 25 yr (real estate)
- Property Type
- Owner-occupied commercial
Key Program Highlights & Advantages
SBA 504: Up to 90% financing for owner-occupied commercial property
SBA 7(a): Flexible funds for business acquisition, expansion, & working capital
Low down payment requirements (as low as 10%)
Long repayment terms up to 25 years for real estate
Lower monthly payments than many traditional commercial loans
General Qualification Standards
Compare Similar Programs
| Program | Down Payment | Credit Score | Occupancy | Term |
|---|---|---|---|---|
| SBA Business & Real Estate Loans | ≈ 10%+ (commonly; varies) | Strong personal/business credit | Owner-occupied (51%+) | Up to 25 yr (real estate) |
| Commercial Real Estate Mortgages | Varies by lender & property | Varies by lender/program | Owner-occupied or non-owner | 15–25 yr amortizations common |
| Unsecured Loans & Credit Cards | N/A | Strong (680+) may unlock better terms | N/A | Varies by product/issuer |
Figures shown are typical ranges and vary by lender, program, and borrower profile.
Rates, terms, and program availability are subject to change without notice and depend on borrower qualification and underwriting approval. This is not a commitment to lend. Contact Oakley Pike for current program guidelines.
Ready to Explore SBA Business & Real Estate Loans?
Get custom rate quotes and personalized scenario analysis with Oakley Pike.