Buy a Commercial Building with an SBA Loan
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Buy a Commercial Building with an SBA Loan
Buying your own commercial building can be one of the smartest long-term moves a business owner can make.
SBA loans allow owner-users to purchase commercial real estate with lower down payments, longer terms, and more flexibility than traditional bank financing — helping you build equity without draining working capital.
Serving California business owners with SBA financing available nationwide.
Why Business Owners Buy Their Own Building
• Control occupancy costs instead of facing rent increases
• Build equity instead of paying a landlord
• Improve long-term cash flow stability
• Create a long-term business asset
• Gain flexibility for future growth
SBA Loan Options for Buying a Commercial Building
Most owner-users purchase commercial real estate using either an SBA 7(a) loan or an SBA 504 loan. The right option depends on your cash flow, down payment, and long-term plans.
SBA 7(a) Loans
• Flexible use of funds
• Can include working capital
• Terms up to 25 years
• Often used for mixed-use needs
SBA 504 Loans
• Designed specifically for owner-occupied real estate
• Down payments as low as 10%
• Long-term fixed-rate financing on the SBA portion
• Ideal for long-term ownership
Basic Requirements to Buy a Building with SBA
• Business must occupy at least 51% of the property
• Business must show sufficient cash flow
• Down payment typically ranges from 10%–20%
• Borrower experience and credit are reviewed
How the Process Works
1. Review your goals and the property
2. Structure the correct SBA loan option
3. Prepare lender-ready financials
4. Navigate underwriting and closing
Our role is to guide you through the process so there are no surprises.
Why Work With Synergy Capital Funding?
• SBA 7(a) and 504 specialization
• Owner-user commercial real estate experience
• Clear guidance on structure and timelines
• California-based with nationwide SBA lending capability
Thinking About Buying Your Building?
If you’re considering purchasing your own commercial property and want quick clarity on SBA options, use the chat or text us now.
No application required. Real answers, fast.
Synergy Capital Funding is not a direct lender. Financing is subject to lender approval and SBA guidelines.