SBA 100% CRE Financing in Texas
Owner-Occupied Commercial Real Estate • Dallas • Houston • Austin • San Antonio • Fort Worth
Texas’s core business markets — Dallas–Fort Worth, Houston, Austin, San Antonio, and key regional hubs such as El Paso and the Rio Grande Valley — attract owner-operators who want long-term control of their commercial facilities rather than remaining tenants. Cornovus Capital structures SBA 100% CRE financing for qualified Texas businesses, acquisitions, and partner buyouts when SBA program requirements and lender approval are satisfied.
We underwrite the operating company and the real estate together across office, medical, light industrial, warehouse, flex, and mixed-use properties that are primarily occupied by the borrower’s business. By integrating credit analysis, SBA eligibility strategy, and packaging into a unified advisory process, Cornovus Capital helps Texas borrowers pursue SBA 100% CRE financing options while maintaining sustainable DSCR and lender-ready documentation.
Whether you are acquiring a building in Dallas, refinancing a facility in Houston, expanding in Austin’s growth corridor, or executing a partner buyout for a long-standing Texas business, our approach prioritizes execution certainty so fully leveraged SBA 7(a) structures remain durable post-closing.
Typical SBA 7(a) 100% loan terms – Texas owner-occupied CRE
| Financing structure | Up to 100% LTV/LTC for qualified Texas owner-operators. |
| Loan size | Generally $750,000 – $5,000,000 per borrower; companion structures available for larger capital needs. |
| Amortization | Up to 25 years for real estate; shorter for business component if applicable. |
| Rate | Typically Prime + 1.75% to 2.75%, fixed or variable. |
| Collateral | Business assets and Texas commercial real estate. |
| Equity injection | 0% equity injection available for qualified owner-occupied transactions. |
| Closing timeline | Typical 45–60 days from accepted LOI + SBA authorization. |
Key details
- Program: SBA 7(a) for owner-occupied CRE and active operating companies.
- Max leverage: Up to 100% LTV/LTC for qualified applicants.
- Uses: Acquisition, refinance, renovation, expansion, partner buyout.
- Eligibility: Texas small businesses with ≥51% owner occupancy and adequate global cash flow.
Who qualifies for 100% SBA 7(a) financing?
- Owner-occupied businesses purchasing or refinancing Texas commercial property.
- Entrepreneurs acquiring established Texas companies.
- Owners executing structured partner buyouts.
- Professionals acquiring office, medical, industrial, or flex facilities.
- Operators consolidating multiple locations under one owner-user facility.
Eligible SBA 7(a) 100% property types
- Office and medical buildings for owner use.
- Industrial, warehouse, and distribution properties.
- Flex, fabrication, and light manufacturing facilities.
- Retail and service properties (including owner-operated restaurants).
- Mixed-use buildings with ≥51% owner occupancy.
Ineligible SBA 7(a) 100% property types
- Investment/non-owner-occupied real estate.
- Speculative or fix-and-flip projects.
- Land-only or ground-up construction without owner use.
- Residential rental properties.
- Hospitality (not eligible for 100% financing).
How Cornovus structures 100% SBA 7(a) CRE financing in Texas
Texas markets — especially Dallas/Fort Worth, Houston, Austin, and San Antonio — require underwriting aligned with market rents, operating expenses, and industry variation across the state’s high-growth economic corridors.
- Market-aware underwriting: Evaluating local taxes, NOI sensitivity, and comparable rent alternatives.
- Owner-occupancy validation: Ensuring SBA-required ≥51% business use and correct property configuration.
- DSCR stress testing: Modeling global cash flow under realistic rate and expense scenarios.
- Buyout & recapitalization planning: Managing valuations, seller notes, and SBA eligibility for internal transfers.
- Advisory-only approach: Cornovus does not lend; we structure, package, and coordinate with SBA-approved lenders.
About Cornovus Capital
With over 70 years of combined experience, Cornovus Capital is a trusted financial partner specializing in business financing, commercial real estate lending, and funding solutions for owner-operators. We design customized capital strategies that help businesses acquire, expand, and optimize operations, ensuring long-term growth and financial stability.
Our expertise spans SBA 7(a) and 504 loans, CMBS and LifeCo financing, private capital solutions, and structured debt strategies. By focusing on certainty of execution and closing assurance, we guide businesses and investors through complex financial landscapes, securing funding tailored to their long-term objectives.
Explore SBA 7(a) 100% financing in Texas
From feasibility modeling and SBA eligibility strategy to lender negotiation and closing coordination, Cornovus Capital delivers the advisory precision and underwriting strength that define execution certainty for Texas owner-operators.
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