SBA Commercial Real Estate Loans with up to 100% Financing

Purchase owner-occupied commercial real estate with zero money down up to $10 million.

 Apply Today!

SBA Commercial Real Estate Loans

SBA loans offer a guarantee from the federal government of 75% - 90% of the loan amount, making banks more comfortable lending and easier for under-collateralized businesses to get the funding they need.

Loans Up to $10M

Purchase owner-occupied commercial real estate for your business with SBA commercial real estate loans up to $10 million with SBA 7a or 504 loans.

25-Year Loan Terms

Our extended commercial real estate loan terms offer a manageable repayment schedule, allowing you to focus on your business without the stress of short-term debt.

Preserve Liquidity

Preserve your cash flow and working capital with up to 100% financing, allowing you to invest in other areas of your business.

100% Financing: The Spartan Advantage

Build Long Term Equity

Owning commercial real estate allows you to build equity, providing long-term financial security and a valuable asset for your business.

Customize Your Workspace

As a property owner, you'll have the freedom to modify your workspace to fit your unique business needs, without the constraints of a lease agreement.

Enjoy Tax Benefits

Experience significant tax advantages, including deductions on mortgage interest, property taxes, and depreciation.

Receive Rental Income

By occupying at least 51% of the space, you can lease out the remaining area, generating additional revenue for your business.

Pre-Requisites for SBA Commercial Real Estate Purchases

  • SBA Commercial Real Estate Purchase (SBA 7a)

  • SBA Commercial Real Estate Purchase or Refinance (SBA 504)

Minimum FICO Score

660 Experian model v2


Time in Business

2 years preferred; startups also allowed


Use of Funds

Commercial Real Estate (51% or more owner-occupied), Renovation, Ground-up Construction, Heavy machinery

Pre-Requisites for SBA FastTrack® Loan

What Sets Us Apart

  • Pre-Qualification Assistance
    Our team of SBA commercial real estate loan experts explains the process and helps you assess your SBA eligibility before you start the application process.
  • Loan Documentation Support
    We assist you in preparing and submitting all the necessary documentation required for your commercial property loan, minimizing errors and delays.
  • Flexible Options
    No business is the same. We don’t try to put yours into a box; we partner with you to find the right solution.
  • Our Team of SBA Bankers
    Started by former bankers, Spartan understands all aspects of lending. We’re your advocate, and we get it right the first time.

Trusted Lending Partner

As a trusted SBA lending partner, we understand the importance of providing reliable and accessible financing options to small businesses. Our commitment to helping entrepreneurs succeed is reflected in our comprehensive suite of SBA loan products and services.

Our experienced team of SBA lending specialists is dedicated to assisting small business owners throughout the loan application and approval process. We work closely with each borrower to tailor loan packages that meet their specific needs, from startup capital to expansion financing.

With over 100 years of combined SBA lending experience, our team will be your advocate and guide you to a successful loan funding.

Apply Today!

Have 5 Minutes? Apply Online

Check to see if you pre-qualify without impacting your credit score.

 Apply Today!