SBA 7(a) 100% Financing Solutions for Commercial Real Estate
Owner-Occupied • Commercial Real Estate • Nationwide Execution
SBA 7(a) 100% CRE financing enables qualified owner-operators to acquire commercial real estate (CRE) with no equity injection requirement for eligible transactions, applying SBA Standard Operating Procedure framework with full project financing across medical practices, dental offices, veterinary clinics, professional services offices, franchise locations, childcare centers, self-storage facilities, and other qualifying owner-operator property types. The program is available up to $5 million per borrower with amortization up to 25 years for commercial real estate at market-based floating rates, with the loan partially guaranteed by the U.S. Small Business Administration to the participating lender. SBA 7(a) 100% commercial real estate financing is underwritten against the business's global cash flow, owner liquidity, post-close debt service coverage, collateral support, and SBA eligibility for the specific asset class and use. Cornovus Capital manages every phase of the SBA 7(a) 100% commercial real estate financing engagement from initial underwriting and third-party diligence coordination through structuring and closing execution, ensuring clarity and execution certainty throughout the transaction.
Cornovus Capital structures SBA 7(a) 100% CRE financing nationwide for owner-operators acquiring commercial real estate across every qualifying property type and business category, aligning global cash flow, collateral support, and SBA program requirements with pre-qualified capital partners matched to the transaction's credit profile, borrower experience, and property type. Transactions with combined real estate and business acquisition components are common and frequently exceed the real estate component alone, with Cornovus Capital coordinating the full capital structure across real estate, equipment, working capital, and business acquisition elements. For owner-operators seeking additional business financing beyond the real estate component, Cornovus Capital also structures transactions under the SBA 7(a) business financing program, which covers business acquisitions, partner buyouts, working capital, equipment, and debt refinancing.
From practice acquisitions and franchise buildouts to complex ownership transitions where the real estate is part of a larger business purchase, Cornovus Capital's approach to SBA 7(a) 100% CRE financing is grounded in real underwriting outcomes for commercial real estate transactions in real underwriting outcomes, not theoretical structures. Every transaction is evaluated against lender credit standards, including global cash flow durability, debt service coverage, guarantor strength, collateral position, and SBA Standard Operating Procedure eligibility, ensuring transactions are structured to meet approval thresholds and execute within today's credit environment.
Typical SBA 7(a) 100% Loan Terms
| Program | SBA 7(a) for qualified owner-occupied commercial real estate acquisitions with no equity injection requirement on eligible transactions |
| Loan Size | $500,000 to $5,000,000; transactions with combined real estate and business acquisition components frequently exceed the real estate component alone |
| Term | Up to 25 years for commercial real estate; floating rate |
| Equity Injection | No equity injection requirement for qualified owner-operators on eligible transactions |
| Occupancy | Owner must occupy at least 51% of the property for active business operations |
| Guarantee | Personal guarantee required; SBA standard collateral and guarantee requirements apply |
| Closing Timeline | 45 to 90 days from completed application and third-party diligence |
What SBA 7(a) 100% Commercial Real Estate Financing Is Used For
- Owner-occupied acquisitions: Acquire commercial real estate for business operations with no equity injection requirement for qualified owner-operators on eligible transactions.
- Medical and dental practice acquisitions: Purchase clinical, surgical, or specialty medical office space for physician groups, dental practices, or veterinary clinics.
- Professional services office purchases: Acquire office space for law firms, accounting practices, insurance agencies, financial advisory practices, engineering firms, and other professional service operators.
- Franchise location acquisitions: Purchase commercial real estate for franchise operations in qualifying SBA-approved franchise categories.
- Specialty use acquisitions: Childcare centers, self-storage facilities, auto service operations, funeral homes, physical therapy clinics, and other qualifying owner-operator property types.
- Trade contractor facility acquisitions: Plumbing, HVAC, electrical, roofing, construction, and other licensed trade operators acquiring owner-occupied office, warehouse, and yard space for their operations.
- Combined real estate and business transactions: Structure SBA 7(a) executions that include both the real estate acquisition and business acquisition, equipment, or working capital components in a single coordinated financing.
Who Qualifies for SBA 7(a) 100% Commercial Real Estate Financing?
- Owner-operators who will occupy at least 51% of the commercial property for active business operations.
- Qualified borrowers meeting SBA Standard Operating Procedure eligibility, global cash flow, and liquidity requirements.
- Business owners with verifiable operating history, adequate post-close debt service coverage, and satisfactory personal credit.
- Franchisees with SBA-approved franchise agreements seeking owner-occupied commercial real estate for franchise operations.
- Professional practice owners acquiring office, clinical, or specialty space for medical, dental, veterinary, legal, accounting, or engineering practices.
- Existing business owners acquiring additional owner-occupied commercial space for expanding operations or consolidating multiple locations.
Eligible Commercial Real Estate Property Types
- Medical offices, dental offices, veterinary clinics, surgical centers, and specialty healthcare facilities.
- Professional services offices: law firms, accounting practices, insurance agencies, financial advisory, architecture, and engineering firms.
- Franchise locations in SBA-approved franchise categories with owner-operator occupancy.
- Childcare centers, early learning facilities, and Montessori schools with owner-operator management.
- Self-storage facilities with owner-operator management and qualifying cash flow.
- Funeral homes, cremation facilities, and related memorial services properties with owner-operator management.
- Physical therapy clinics, martial arts centers, and similar specialty healthcare and wellness facilities.
- Auto service operations and specialty repair facilities with owner-occupied commercial space.
- Trade contractor facilities: plumbing, HVAC, electrical, roofing, construction, and other licensed trade operators acquiring owner-occupied office, warehouse, yard, and mixed-use commercial space.
- Light industrial, warehouse, and flex space occupied by the owner's operating business.
- Mixed-use properties where the owner's business occupies at least 51% of the total rentable area.
Transactions Not Eligible for SBA 7(a) 100% Commercial Real Estate Financing
- Investment properties or properties where the borrower will not occupy at least 51% of the space for active business operations.
- Speculative real estate development or construction without an established operating business as the occupant.
- Borrowers who do not meet SBA Standard Operating Procedure eligibility requirements, minimum global cash flow thresholds, or personal credit standards.
- Properties with significant deferred maintenance, active environmental issues, or zoning restrictions inconsistent with the proposed owner-operator use.
- Passive ownership structures, real estate holding companies, or entities without active business operations at the subject property.
- Land-only or ground-up construction without an operating business and owner-occupancy intent meeting SBA eligibility standards.
About Cornovus Capital
Cornovus Capital structures and executes SBA loans, bridge financing, CMBS, SBA 504, conventional multifamily, and LifeCo transactions for sponsors, developers, owner-operators, and operating businesses nationwide. Every transaction is underwritten to institutional credit committee standards, with structural issues identified early, sizing built to lender reality, and the full credit package prepared before a capital partner is ever engaged. Each transaction is then executed through a proprietary capital markets platform with pre-qualified partners across bridge, SBA, CMBS, private capital, agency, life company, hedge, and pension executions, matched to the transaction's credit profile, structure, asset class, and geography.
Financing spans seven debt execution silos: SBA 7(a) business financing, SBA 7(a) 100% CRE, SBA 504, bridge and structured debt, CMBS and conduit, conventional multifamily through Agency and LifeCo executions, and hospitality owner's representation. Every engagement is underwritten to institutional credit committee standards, ensuring transactions are structured to meet approval thresholds and execute within today's credit environment.
Connect with Cornovus Capital
SBA 7(a) 100% commercial real estate financing supports owner-occupied acquisitions for medical practices, dental offices, veterinary clinics, franchise locations, professional service offices, childcare centers, and specialty use properties across all qualifying categories nationwide. For active acquisition opportunities or early-stage discussions, begin with the appropriate financing request to confirm program fit and execution strategy.
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