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% Loan Financing Request

Submit your project details for financing eligibility review

SECTION 1: Borrower & Entity Information

BORROWER / ENTITY NAME

CONTACT NAME & TITLE

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

SBA 7(a) 100% Advisory Overview

Cornovus Capital structures SBA 7(a) 100 percent financing solutions for qualified owner-occupied commercial real estate, business acquisitions, partner buyouts, and eligible expansions. Our advisory team works with experienced SBA lenders nationwide to align borrower eligibility, collateral structure, guarantor strength, and program requirements.

Each request is engineered around SBA guidelines, cash flow coverage, and business stability to help borrowers access fully leveraged capital while preserving liquidity.

Market Insights & Information Sources

SBA updates and underwriting trends shared through Cornovus Capital’s LinkedIn help borrowers follow changes in SBA SOP, lender appetite, guarantee fee adjustments, and eligibility refinements for 100% structures.

Advisory Review & Submission Process

Once submitted, a Cornovus Capital advisor reviews business cash flow, ownership structure, purchase details, collateral availability, and SBA eligibility requirements for 100% financing.

This process aligns borrower goals with SBA lender expectations and program rules across underwriting, eligibility, and credit presentation.

SBA 7(a) 100% Strategies We Support

Cornovus Capital supports owner-occupied CRE purchases, business acquisitions, partner buyouts, location consolidations, qualified renovations, and expansion strategies utilizing the SBA 7(a) 100% financing structure.

Our advisory platform integrates eligibility review, credit modeling, SBA packaging, and lender coordination to support clear, expedited execution.

Typical SBA 7(a) 100% Loan Terms

Financing Structure	Up to 100% LTV/LTC for owner-occupied CRE, business acquisitions, and partner buyouts (when eligible)
Loan Size	$500,000 – $5 million per borrower
Amortization	Up to 25 years for real estate; up to 10 years for business components
Rate	Prime + spread; fixed or variable based on lender program
Collateral	Business assets and real estate when applicable
Equity Injection	0% possible for qualified owner-occupied structures meeting SBA criteria
Closing Timeline	~45–60 days after executed term sheet and SBA approval
Eligible Borrowers	U.S. small businesses with ≥51% owner occupancy 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.