SBA Financing for Owner-Occupied Commercial Real Estate

SBA Financing for Owner-Occupied Commercial Real Estate

Eligible operating businesses may use SBA-backed financing programs to purchase, construct, renovate, expand, or refinance qualifying commercial properties used in their own business operations.

White Feather Capital LLC helps business owners learn about available SBA financing programs and identify participating lenders and Certified Development Companies (CDCs).

For transactions involving commercial real estate mortgages, our involvement is limited to general information and activities permitted under applicable law. We do not provide licensed mortgage brokerage services.

Potential Financing Purposes

Depending on the applicable SBA program and participating lender’s requirements, eligible financing may support:

  • Purchasing qualifying owner-occupied commercial property
  • Acquiring land for eligible business operations
  • Constructing a new business facility
  • Expanding an existing commercial facility
  • Renovating or modernizing business property
  • Purchasing buildings for business operations
  • Refinancing certain qualifying commercial real estate debt
  • Combining eligible real estate financing with other permitted business financing needs

SBA 7(a) financing may support eligible real estate acquisitions, improvements, and refinancing, while SBA 504 financing focuses primarily on qualifying fixed-asset investments.

SBA 7(a) and SBA 504 Financing Options

SBA 7(a) Financing

The SBA 7(a) Loan Program may support eligible commercial real estate transactions together with other qualifying business financing purposes, including:

  • Business expansion
  • Equipment purchases
  • Working capital
  • Business acquisitions
  • Eligible debt refinancing
  • Owner-occupied commercial property acquisitions or improvements

Loan eligibility, permitted uses, collateral requirements, and financing terms are determined by the participating SBA lender under applicable SBA program requirements.

SBA 504 Financing

The SBA 504 Loan Program supports eligible long-term fixed-asset financing, including:

  • Commercial property purchases
  • Land acquisition
  • Building construction
  • Facility expansion
  • Eligible property renovations
  • Qualifying long-term machinery and equipment
  • Certain eligible debt refinancing transactions

SBA 504 financing generally involves a participating third-party lender and a Certified Development Company (CDC), with the CDC portion supported through the SBA 504 program.

SBA 504 proceeds generally cannot be used for working capital or inventory.

Owner-Occupied Commercial Property Requirements

SBA real estate financing is primarily intended to support eligible operating businesses rather than passive real estate investments.

Businesses must meet applicable property occupancy and program eligibility requirements.

Lenders may evaluate:

  • Business operations and eligibility
  • Intended property use
  • Owner-occupancy requirements
  • Business cash flow and repayment capacity
  • Borrower creditworthiness
  • Property value and condition
  • Available equity contribution
  • Collateral and guarantees
  • Other applicable SBA and lender requirements

SBA 504 financing is not intended for speculative real estate investments or properties acquired primarily to generate passive rental income.

Specific requirements depend on the SBA program, property, transaction structure, and participating financing provider.

White Feather Capital LLC’s Role

White Feather Capital LLC is an independent commercial financing brokerage and referral company. We are not an SBA lender, direct lender, or licensed mortgage broker.

We provide general educational information about SBA financing programs and their potential uses for eligible operating businesses.

Where permitted by applicable law, we may provide basic information about participating SBA lenders, CDCs, and authorized financing providers.

We do not independently originate, arrange, place, process, or negotiate commercial real estate mortgage loans when those activities require licensing or registration.

In particular:

  • We do not negotiate mortgage interest rates, amortization, repayment terms, or loan commitments.
  • We do not determine SBA eligibility or make underwriting decisions.
  • We do not represent ourselves as a licensed mortgage or real estate brokerage.
  • We do not independently process mortgage applications or collect mortgage application documents as an unlicensed intermediary.
  • Borrowers complete regulated mortgage applications and provide required mortgage documentation directly to appropriately authorized parties.

Any referral, introduction, application assistance, or compensation arrangement is subject to applicable federal and state law.

The participating SBA lender, CDC, or other authorized financing provider is responsible for evaluating the transaction and performing its respective lending activities.

SBA Referral and Compensation Disclosure

White Feather Capital LLC may receive compensation for eligible commercial financing services where permitted by applicable law.

For SBA financing, any referral, packaging, consulting, or other agent compensation must comply with SBA requirements, including applicable fee limitations, disclosure obligations, and SBA Form 159, when required.

No SBA referral or other compensation is assumed to be permissible solely because a lender is willing to pay it.

For transactions secured by real estate, any compensation arrangement must also comply with applicable mortgage and real estate licensing laws.

White Feather Capital LLC does not charge an upfront fee simply to inquire about available SBA financing programs.

Financing Terms and Approval

All financing decisions are made by participating lenders and applicable SBA program authorities.

Interest rates, loan amounts, repayment periods, collateral requirements, personal guarantees, property occupancy, prepayment conditions, and other terms depend on the applicable financing program and transaction.

White Feather Capital LLC does not guarantee:

  • Loan approval
  • SBA eligibility
  • Financing amounts
  • Interest rates
  • Loan terms
  • Funding availability or timelines

Prospective borrowers should review all applicable lender disclosures, financing documents, fees, and obligations before proceeding.

Explore SBA Financing Opportunities

If your business is considering the purchase, construction, improvement, or refinancing of owner-occupied commercial property, you may review available SBA financing programs and contact participating SBA lenders or CDCs to discuss eligibility.

White Feather Capital LLC provides general information about these financing programs and may participate only in activities permitted under applicable law.

Learn More About SBA Business Financing

Important Disclosure

White Feather Capital LLC is a commercial-financing broker and referral company, not an SBA lender, mortgage banker, or licensed mortgage broker.

We do not offer consumer-purpose loans or residential mortgage brokerage services.

Our involvement in commercial real estate mortgage financing is limited to activities legally permitted without the applicable license. Any regulated services must be performed by appropriately licensed or authorized parties.

SBA financing is subject to applicable SBA program requirements, lender underwriting, borrower qualifications, and relevant federal and state laws.

For additional information, see our SBA Business Financing Disclosure.