Can an SBA 7(a) loan provide 100% financing for an office acquisition?

Yes. When the property is primarily owner-occupied and borrower eligibility meets SBA 7(a) guidelines, the program can finance up to 100 % of total project costs including closing and soft costs.

What are typical terms for SBA 7(a) real estate loans?

Typical structures include amortizations up to 25 years with fixed or variable rates, limited prepayment penalties, and flexible collateral coverage depending on credit profile.

How does Cornovus Capital support SBA borrowers?

Cornovus Capital coordinates underwriting, valuation, and closing processes, ensuring DSCR, liquidity, and collateral standards are met to deliver certainty of execution.

Bridge Financing Solutions CMBS Financing LifeCo Financing SBA 7(a) Financing SBA 504 Financing Multifamily Financing Transaction Highlights Owner’s Representative Services

SBA 7(a) Loan Delivers 100% Financing for Class A Office Acquisition

Owner-Occupied Office Acquisition • 100% Financing • SBA 7(a) Execution

Introduction

100% financing with SBA-backed certainty. Cornovus Capital structured an SBA office acquisition loan to secure full financing for a professional services company purchasing a newly built Class A office property. The transaction consolidated ownership under one entity, eliminated rent obligations, and provided the borrower with long-term stability and asset appreciation.

The SBA office acquisition loan leveraged the SBA 7(a) program to achieve 100% loan-to-cost financing with no equity injection. Cornovus Capital coordinated underwriting, appraisal, and closing under a tight timeline to help the borrower transition from lease to ownership. The result was a seamless acquisition with full occupancy, optimized repayment terms, and immediate equity capture.

By utilizing SBA 7(a) benefits and Cornovus Capital’s structured guidance, the borrower secured a long-term fixed-rate solution with favorable amortization—enhancing liquidity, lowering monthly obligations, and positioning the company for sustainable growth.

Challenge

Securing 100% financing under SBA 7(a) guidelines. The borrower sought to purchase its leased Class A office building without providing a down payment. While the business demonstrated strong cash flow, the transaction required specialized SBA structuring to align 100% financing with debt-service coverage and SBA compliance.

Structuring 100% financing within SBA 7(a) lending limits
Maintaining DSCR compliance while eliminating rent obligations
Coordinating third-party reporting, appraisal, and environmental reviews
Meeting SBA equity-injection waiver standards for qualified borrowers
Aligning loan amortization with property useful life and ownership term

Solution

Comprehensive SBA 7(a) financing delivering full ownership with zero equity injection. Cornovus Capital structured 100% financing under the SBA 7(a) Business Loan Program, providing an all-inclusive solution that covered purchase price, closing costs, and working capital reserves. The loan consolidated the borrower’s operating lease into a fully amortizing ownership position.

100% SBA 7(a) financing with no equity contribution
Fully amortizing 25-year term with competitive fixed rate
Loan proceeds covering acquisition costs and working capital
Collateralized by Class A real estate and business assets
Accelerated SBA closing timeline with full borrower support
All underwriting and compliance completed under SBA program standards

Results

Ownership achieved with zero equity investment. The SBA office acquisition loan allowed the borrower to transition from tenant to owner while preserving liquidity and eliminating rental expenses. The financing improved balance sheet strength, established equity growth, and created predictable long-term cost savings through fixed-rate ownership.

Class A office property acquired with 100% financing
Monthly savings through rent elimination and fixed-rate repayment
Strengthened balance sheet and asset ownership
Zero cash contribution required from borrower
Loan closed within 40 days of approval
All underwriting and SBA documentation managed by Cornovus Capital

Related Capital Programs

Explore SBA and conventional programs supporting owner-occupied and investment real estate: SBA 7(a), SBA 504, Bridge Loans, CMBS, and LifeCo Capital.

About Cornovus Capital

With over 70 years of combined experience, Cornovus Capital is a trusted advisory firm specializing in business financing and commercial real estate lending. We design customized capital strategies that help companies acquire, expand, and optimize operations while maintaining long-term stability.

Our expertise spans SBA 7(a) and 504 loans, CMBS and LifeCo financing, private capital, and structured debt. By focusing on certainty of execution, we guide clients through complex financial landscapes to secure competitive, lender-ready terms.

Why Partner with Cornovus Capital?

Owner-occupied projects require strategic capital alignment. Cornovus Capital delivers SBA-qualified structures with coordinated underwriting, lender selection, and closing assurance.

What Sets Us Apart

End-to-end SBA 7(a) and 504 advisory, from eligibility through funding
Integrated conventional and secondary market capital for hybrid executions
Underwriting alignment to DSCR, LTV, and guarantor liquidity thresholds
Certainty of execution and transparent borrower communication

Connect with Cornovus Capital

For business owners seeking 100% financing or office acquisition funding, our team delivers SBA-structured certainty of execution.

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