Commercial
SBA
SBA 7(a) Owner-User
Up to $5M SBA-guaranteed loan for owner-user real estate acquisition and business needs.
Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.
Ideal borrower
Small business owners buying their operating real estate.
Program highlights
- Loan amounts to $5M
- 90% LTV on owner-user real estate
- 25-year term on real estate
- Working capital + equipment also eligible
Typical uses
- Owner-user property acquisition
Frequently asked questions
- What's the difference between SBA 7(a) and SBA 504?
- SBA 7(a) is more flexible — funds can cover real estate, equipment, working capital, or business acquisition. 504 is specifically for owner-user real estate and heavy equipment, structured as 50% bank + 40% SBA debenture + 10% borrower equity. Generally 504 has lower fixed rates on the debenture portion; 7(a) is easier and faster for mixed-use capital needs.
- Can I use SBA to buy a building my business occupies?
- Yes — this is the quintessential SBA real estate use case. Your business must occupy at least 51% of the building for existing buildings or 60% for new construction. You can lease out the remainder. Up to $5M SBA guarantee (higher on 504 structures).
- How long does SBA take to close?
- Plan 45–75 days for 7(a) and 60–90 days for 504. Longer than conventional, but the leverage and pricing often justify the timeline.
Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.