Who qualifies for SBA 7(a) 100 percent financing?

Qualified owner-occupied businesses with demonstrated cash flow and at least 51% occupancy of the subject property may be eligible for 100 percent financing.

What can SBA 7(a) 100 percent financing be used for?

Eligible uses include owner-occupied commercial real estate purchases, business acquisitions, partner buyouts, renovations, and qualified expansion projects.

SBA 7(a) 100% Financing Request

Intake designed to confirm SBA 7(a) eligibility, structure a 100% financing request, and position owner-occupied transactions for execution.

This submission is intended for operating businesses and owner-users seeking SBA 7(a) 100% financing for commercial real estate acquisition, expansion, partner buyouts, refinancing, or eligible business purposes. Submissions are reviewed through a disciplined underwriting lens to assess cash flow, occupancy, use of proceeds, and borrower qualifications prior to lender placement.

For transactions that do not qualify for SBA 7(a) 100% financing, alternative SBA, conventional, or bridge structures may be evaluated.

SECTION 1: Borrower & Entity Information

BORROWER / ENTITY NAME

CONTACT NAME & TITLE

EMAIL — security enhanced ("AT" symbol masked)

PHONE NUMBER

ENTITY TYPE

STATE OF FORMATION

SPONSOR EXPERIENCE SUMMARY

SECTION 2: Property Details

PROPERTY ADDRESS (STREET, CITY, STATE)

PROPERTY TYPE

YEAR BUILT

YEAR RENOVATED

SQUARE FOOTAGE

OWNER OCCUPIED SQFT (%)

PROJECT SUMMARY

SECTION 3: Loan Request Summary

PURPOSE OF LOAN

REQUESTED LOAN AMOUNT

PURCHASE PRICE or MARKET VALUE

EXISTING DEBT (IF REFINANCE)

ESTIMATED STABILIZED VALUE

REQUESTED LOAN TERM

TARGETED CLOSING TIMELINE

SECTION 4: Deal Metrics & Exit Strategy

TRAILING - 12 NOI ($)

ANNUAL GROSS REVENUE

YEAR TO DATE GROSS REVENUE

EXIT STRATEGY

PREFERRED LEVERAGE (LTV)

PRIMARY FINANCING OBJECTIVES

SECTION 4: Submission Acknowledgment

CONSENT AUTHORIZATION

I authorize Cornovus Capital to review the information provided and contact me regarding available financing options.”

REFERRAL SOURCE

SBA 7(a) 100% financing solutions SBA 7(a) program overview Conventional business financing Cornovus Capital advisory team Transaction highlights Arizona Colorado Florida Georgia Illinois New Jersey North Carolina Ohio Pennsylvania South Carolina Michigan Virginia Indiana Nevada Minnesota Missouri Alabama Kentucky Tennessee Texas

Typical SBA 7(a) 100% Loan Terms

Financing Structure	Up to 100% LTV/LTC for eligible owner-occupied commercial real estate; business acquisitions and partner buyouts may qualify when structured to SBA criteria
Loan Size	$500,000 – $5 million per borrower (subject to SBA maximums, affiliation rules, and lender program limits)
Amortization	Up to 25 years for real estate; up to 10 years for eligible business components
Rate	Prime + spread; fixed or variable depending on lender program and underwriting profile
Collateral	Business assets and real estate when applicable; personal guarantees required for most SBA 7(a) structures
Equity Injection	0% possible for qualified owner-occupied structures meeting SBA eligibility, occupancy, and use-of-proceeds requirements
Closing Timeline	Typically 45–60 days after executed term sheet and SBA authorization (timing varies by documentation readiness and lender workflow)
Eligible Borrowers	U.S. small businesses with ≥51% owner occupancy (or SBA-required occupancy threshold by property type) and supporting cash flow

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SBA 7(a) 100 percent financing solutions for qualified owner-occupied businesses seeking zero equity injection for commercial real estate, business acquisitions, and partner buyouts.