Loan Product
SBA 504 & SBA 7(a) Loans Nationwide for Commercial Real Estate
Government-backed SBA 504 and SBA 7(a) financing for owner-occupied commercial real estate — up to 90% LTV with 20–25 year amortization in all 50 states.
Loan Size
$500K – $20M
LTV
Up to 90%
Term
20 – 25 years
Rate Range
5.5% – 7.5%
Use
Owner-occupied CRE
Close Time
60 – 120 days
SBA loans are government-guaranteed financing programs designed for owner-occupied commercial real estate and small-business expansion. Rad Capital Group places SBA 504 and SBA 7(a) loans nationwide through our network of preferred SBA lenders, including national banks, regional banks, and non-bank PLP (Preferred Lender Program) institutions.
The SBA 504 loan combines a conventional first mortgage (typically 50% LTV) with a fixed-rate SBA debenture second (40% LTV) and 10% borrower equity. It is the most efficient financing for owner-user acquisitions, ground-up construction, expansion, and refinances of owner-occupied properties such as hotels, self-storage, medical office, light industrial, and mixed-use buildings where the owner occupies at least 51% of the space.
The SBA 7(a) loan is a more flexible program offering up to $5 million in financing — variable or fixed rate — for owner-occupied real estate, equipment, working capital, business acquisition, and partner buyouts. Terms run up to 25 years for real estate and up to 10 years for business assets.
We help borrowers structure SBA debt alongside conventional senior loans, bridge debt, and seller carry-back notes — and we manage the full SBA underwriting timeline, typically 60 to 120 days to close.
Frequently Asked Questions
What's the difference between SBA 504 and SBA 7(a)?
SBA 504 is a fixed-rate, two-loan structure for owner-occupied real estate and equipment (up to $20M+). SBA 7(a) is a more flexible single loan (up to $5M) that can cover real estate, working capital, and business acquisition.
Do I need to occupy the property to qualify?
Yes — SBA 504 and 7(a) require the borrower's operating business to occupy at least 51% of an existing building or 60% of new construction.
What property types qualify for SBA 504?
Hotels, self-storage, medical and professional office, gas stations, car washes, light industrial, restaurants, and many other owner-occupied commercial property types qualify.
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Loan Product
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Ground-up and heavy-renovation construction loans for commercial real estate developers — interest-only during the build, flexible draw schedules, with take-out permanent or bridge financing teed up at completion.
Asset Class
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Asset Class
Self-Storage Financing
Bridge, SBA 504, CMBS, and construction financing for self-storage facilities — single assets and portfolios — nationwide.
Asset Class
Industrial & Warehouse Financing
Bridge, CMBS, bank, and construction loans for industrial, warehouse, logistics, distribution, flex, and cold storage properties in every U.S. market.
Ready to explore sba loans (504 & 7(a))?
Initial term sheets in as little as 2 weeks. Nationwide.