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Commercial Real Estate Financing

Business financing that brings commercial real estate in reach

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COMMERCIAL REAL ESTATE FINANCING DETAILS

Purchase Commercial Real Estate with Flexible and Affordable Financing

When you need to combine commercial real estate with a business acquisition or working capital—we’ve got you covered. The flexibility of our SBA 7(a) loan allows us to finance multiple assets or projects, up to $5M, with just one business loan. 

Not only is our 7(a) SBA loan versatile, but it is affordable. With low rates, terms up to 25 years and as little as 10% down, it is one of the most affordable ways for small business owners to purchase commercial real estate. 

Many lenders are only comfortable financing general and mixed-use commercial real estate. Unlike other lenders, our niche is financing special use commercial real estate like assisted living facilities, hotels, restaurants, car washes, gas stations and more. 

As a Top 5 Preferred SBA Lender, we approve loan applications in-house, which accelerates your time to funding. Let us finance your commercial real estate purchase today. 

Features of a Commercial Real Estate Loan:

  • Rates as low as prime +2.75% 
  • Up to 90% loan-to-value 
  • Up to $5M in funding 
  • Terms of up to 25 years 
  • No balloon payments
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BENEFITS OF SBA FINANCING FOR COMMERCIAL REAL ESTATE

Why Buying Commercial Real Estate with an SBA 7(a) Loan is Worth It

Depending on loan size, 7(a) loans are backed up to 85% by the SBA. This means less risk for your lenders and better approval odds for you. They are also great options for purchasing commercial real estate—here's why:

Special Use Properties

Often, lenders will not finance real estate they consider to be “special purpose” properties—such as hotels, car washes, hospitals,  funeral homes , golf courses, and more.  

These lenders worry about being able to sell the property profitably in the event of bankruptcy and may not accept your loan application. However, these properties do qualify for commercial real estate financing; you’ll just need to find a lender finances them every day—like Celtic Bank. 

Lower Down Payment

The biggest benefit of going with an 7(a) SBA loan for commercial real estate is the low down payment requirement, which is can be as little as 10% down.

Lower Monthly Payment

If you do include commercial real estate purchase in your business acquisition loan, your term can be up to 25 years; this longer term can lower your monthly loan payments. You will make monthly loan payments to purchase the business and the real estate, and will not have a lease payment to make. 

Quick Approvals and Processing

When you apply for commercial real estate loan with a preferred SBA lender like Celtic Bank, your loan application is approved in-house instead of being sent to the SBA for approval. This accelerates your time to funding.  

Flexible Use of Proceeds

You can also include working capital with your SBA 7(a) loan to cover negative cash flow or cost for improvements while you expand, construct, or stabilize the property, which makes it a great option when renovating or turning around a commercial investment.  

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COMMERCIAL REAL ESTATE FINANCING LOAN SOLUTIONS

Ways to Purchase Commercial Real Estate for Your Business

Purchasing commercial real estate can seem out of reach when property values keep increasing and conventional financing usually requires at least 20% down. SBA financing makes buying commercial real estate possible with up 100% financing and low rates and longer repayment periods.

Buy commercial real estate or land with SBA financing for your business at terms that you can afford.

happy businessman in dark glasses in a suit smiles while looking at his ipad/tablet in the kitchen of his restaurant

SBA 7(a) 

$350K - $5M | Up to 25 yrs

Purchase commercial real estate at terms that won’t hold you back.

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    • COMMERCIAL REAL ESTATE APPLICATION PROCESS

    We Make Purchasing Commercial Real Estate as Easy as 1,2, 3

    1. Apply Online

    Answer simple questions about your business and complete your loan application in minutes. 

    2. Get a Decision, Fast

    Once you apply, Celtic Bank qualifies loans in-house, which means you can qualify for your loan in as little as 10 minutes. 

    3. Access Your Funds

    After you have been approved for a loan and upon closing, funds are immediately available within 48 hours.  

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