SBA 7(a) 100% CRE Financing Request
Institutional Underwriting • Certainty of Execution
The SBA 7(a) 100% CRE program is for qualified owner-operators acquiring commercial real estate with no equity injection requirement for eligible transactions. Complete the information below to begin.
A Cornovus Capital principal reviews every submission within one business day.
For business acquisitions, partner buyouts, working capital, or franchise financing, review the SBA 7(a) Business Financing program →
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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
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 placed 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.
Our expertise spans seven debt silos: SBA 504, SBA 7(a), SBA 7(a) 100% CRE, 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. Our quantitative underwriting platform applies institutional credit standards across every transaction, delivering depth, consistency, and turnaround speed.
For insight into the broader interest rate and monetary policy environment influencing commercial real estate financing, visit the Federal Reserve's Monetary Policy resources for insights into national commercial real estate performance.
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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