SBA 7(a) 100% Commercial Real Estate Financing

Empower your business with up to 100 percent Commercial Real Estate Financing.  At Cornovus Capital, we specialize in the SBA 7a 100 percent commercial real estate financing solution, a program tailored for businesses ready to take the next step in their growth journey. Whether you’re consolidating locations, expanding operations, or transitioning from leasing to ownership, this financing solution provides the flexibility and support you need to achieve your goals.

Program Highlights

  • No Down Payment: Eliminate upfront costs and preserve working capital for business growth.
  • Long-Term Stability: Fully amortizing 25-year loan terms with variable interest rates tied to market conditions.
  • Versatile Property Financing: Covers a wide range of property types, from offices and warehouses to mixed-use buildings.
  • Support for Owner-Occupied Properties: Designed for businesses occupying at least 51% of the property.

Who Qualifies?

  • Established Businesses: Companies with a minimum of two, preferably three years of operating history and a proven financial track record.
  • Businesses Consolidating Locations: Streamline operations by merging multiple sites into a single owner-occupied property.
  • Expanding Operations: Acquire or build new facilities to meet growing business demands.
  • Transitioning From Leasing to Ownership: Invest in your future by building equity through property ownership.
  • Entrepreneurs Refinancing Loans: Replace high-interest property loans with competitive SBA terms.

Examples of Eligible Properties

  • Office Buildings: Establish a headquarters or expand your business footprint.
  • Retail Stores and Shopping Centers: Own the property where you connect with customers.
  • Warehouses and Distribution Facilities: Optimize logistics with a space tailored to your business.
  • Medical Practices and Clinics: Invest in a facility that supports patient care and operational efficiency.
  • Manufacturing Facilities: Create or upgrade spaces for production and innovation.
  • Mixed-Use Properties: Combine residential and commercial uses, provided at least 51% of the property is for business operations.

Ineligible Property Types

  • Investment Properties: Properties purchased solely for rental income or resale with no owner-occupancy.
  • Speculative Real Estate: Projects without a clear business use or tenant strategy.
  • Raw Land: Undeveloped land held without plans for immediate construction or business use.
  • Residential Rentals: Single-family homes or duplexes purchased for short-term or long-term tenants.

Step-by-Step Process

  1. Initial Consultation: Meet with a Cornovus Capital advisor to discuss your goals and assess your eligibility.
  2. Custom Financing Plan: Receive a detailed financing proposal tailored to your unique circumstances and long-term business strategy.
  3. Comprehensive Application Support: Our team gathers, organizes, and packages your application to ensure it meets SBA and lender requirements.
  4. Lender Engagement: We match your profile with targeted lenders and handle the outreach, negotiations, and documentation requests.
  5. Underwriting & Approval: Navigate underwriting with expert support and ensure timely responses to any lender conditions.
  6. Closing & Funding: Finalize documents, fund your loan, and take ownership of your new commercial property.

About Cornovus Capital

With over 60 years of combined experience, Cornovus Capital is a trusted financial partner specializing in business financing, commercial real estate lending, and hospitality funding solutions. 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.

Why Partner with Cornovus Capital?
At Cornovus Capital, we understand that complex transactions require sophisticated financing solutions. Whether repurposing commercial assets, structuring high-leverage debt, or integrating municipal incentives, we deliver capital strategies designed for certainty and efficiency.

What Sets Us Apart?
• Advisory expertise in adaptive reuse, commercial redevelopment, and business acquisitions
We have a strong history of structuring financing for property repositioning, urban infill projects, mixed-use developments, and real estate acquisitions that support business expansion and operational stability.
• Innovative capital structuring
Our financing solutions include non-recourse construction loans, Mini-Perm transitions, and TIF-backed capital stacks.
• Proven track record across diverse transactions
Over the years, we have facilitated financing for a wide range of businesses, developers, and real estate investors, helping them secure the capital needed to grow and succeed.
• End-to-end capital advisory and execution
From initial underwriting to securing financing, we provide comprehensive transaction support to ensure seamless execution and certainty of funding.

 

Contact Cornovus Capital

For businesses seeking flexible financing solutions to support expansion, acquisition, or working capital needs, Cornovus Capital delivers expertise, efficiency, and certainty.

📧 [email protected]
📞 513-653-4246
🌐 CornovusCapital.com

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