SBA 7(a) 100% CRE Financing Request
Institutional Underwriting • Certainty of Execution
This intake is designed to confirm SBA 7(a) 100% eligibility, structure the owner-occupied acquisition, and position the transaction for capital placement. This program is exclusively for qualified owner-operators acquiring commercial real estate where no equity injection is required for eligible transactions.
Submissions are reviewed through a disciplined underwriting lens to assess owner-occupancy percentage, operating cash flow, property type, and borrower qualifications against SBA Standard Operating Procedure eligibility requirements. A principal reviews every submission within one business day.
For business acquisitions, partner buyouts, working capital, equipment, or franchise financing, this is not the correct program. Review the SBA 7(a) business program. Review SBA 7(a) Business Financing →
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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.
Financing spans seven debt execution silos: SBA 7(a) business financing, SBA 7(a) 100% CRE, SBA 504, bridge and structured debt, CMBS and conduit, conventional multifamily through Agency and LifeCo executions, and hospitality owner's representation. Every engagement is underwritten to institutional credit committee standards, ensuring transactions are structured to meet approval thresholds and execute within today's credit environment.
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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