SBA 7(a) 100% CRE Financing Request
Institutional Underwriting • Certainty of Execution
This intake is designed to confirm SBA 7(a) 100% eligibility, structure the owner-occupied acquisition, and position the transaction for capital placement. This program is exclusively for qualified owner-operators acquiring commercial real estate where no equity injection is required for eligible transactions.
Submissions are reviewed through a disciplined underwriting lens to assess owner-occupancy percentage, operating cash flow, property type, and borrower qualifications against SBA Standard Operating Procedure eligibility requirements. A principal reviews every submission within one business day.
For business acquisitions, partner buyouts, working capital, equipment, or franchise financing, this is not the correct program. Review the SBA 7(a) business program. Review SBA 7(a) Business Financing →
Typical SBA 7(a) 100% Financing Terms
| Financing Structure | Up to 100% LTV for eligible owner-occupied commercial real estate |
| Loan Size | $500,000 to $5 million per borrower, subject to SBA maximums |
| Amortization | Up to 25 years for real estate; up to 10 years for eligible business components |
| Rate | Prime plus spread; fixed or variable depending on lender program |
| Equity Injection | 0% possible for qualified owner-occupied structures meeting SBA eligibility |
| Collateral | Business assets and real estate when applicable; personal guarantees required |
| Closing Timeline | Typically 45 to 60 days after executed term sheet and SBA authorization |
| Eligible Borrowers | U.S. small businesses with owner occupancy meeting SBA threshold requirements |
About Cornovus Capital
With more than 70 years of combined capital markets leadership experience, Cornovus Capital is a national institutional commercial real estate and business capital advisory firm. Led by principals and senior advisors across institutional credit, capital placement, asset management, and hospitality ownership, we perform institutional-grade underwriting on every engaged transaction and place credits with pre-qualified capital partners matched to the transaction’s credit profile, structure, asset class, and geography.
Our expertise spans seven debt silos: SBA 7(a), SBA 7(a) 100% CRE, SBA 504, Bridge and Structured Debt, CMBS and Conduit, Conventional Multifamily (Agency and LifeCo), and Student Housing, with a Hospitality Owner’s Representation overlay led by principals with direct owner-operator experience across the full asset lifecycle.
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Connect with Cornovus Capital
For active acquisitions, refinances, recapitalizations, or expansion opportunities, begin with the appropriate financing request. For early-stage discussions, use the contact path to confirm program fit and execution strategy.
Submit a financing request → | Contact us →
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