SBA 7(a) 100% Financing Solutions for Commercial Real Estate
Owner-Occupied • No Equity Injection Possible • Nationwide Execution
SBA 7(a) 100% CRE financing is a specialized SBA 7(a) loan structure that enables qualified owner-operators to acquire commercial real estate with no equity injection requirement on eligible transactions, applying SBA Standard Operating Procedure framework with full project financing for qualifying asset classes and borrowers. The 100% CRE program is underwritten against the business's global cash flow, post-close debt service coverage, owner experience, and SBA eligibility for the specific asset class and use. With more than 70 years of combined capital markets leadership experience, Cornovus Capital structures SBA 7(a) 100% CRE executions aligned with sponsor objectives, navigating SBA underwriting requirements with institutional discipline and capital markets precision.
Our advisory team manages the full SBA 7(a) 100% CRE process for sponsors nationwide, from initial underwriting and third-party diligence coordination through SBA lender interface, structuring, and closing execution, ensuring clarity and execution certainty throughout the transaction. For sponsors evaluating SBA 7(a) 100% CRE financing, Cornovus Capital structures and places this program for owner-occupied acquisitions in professional practice, medical and dental, veterinary, franchise, self-storage, child care, and other qualifying owner-operator categories, with credits placed through pre-qualified SBA preferred lenders specializing in these structures.
Typical SBA 7(a) 100% Loan Terms
| Financing Structure | Up to 100% LTV/LTC for owner-occupied acquisitions, refinances, or partner buyouts (when qualified) |
| Loan Size | $500,000 to $5 million per borrower; companion structures possible for larger needs |
| Amortization | Up to 25 years for real estate; up to 10 years for business components |
| Rate | Prime + 1.75% to 2.75% typical; fixed or variable based on credit and collateral |
| Collateral | Business assets and real estate when applicable; secondary collateral not required for all transactions |
| Equity Injection | 0% possible for qualified owner-occupied deals meeting SBA criteria |
| Closing Timeline | ~45 to 60 days from executed term sheet and SBA authorization |
Key Details
- Program: SBA 7(a) for owner-occupied CRE and operating businesses.
- Max leverage: Up to 100% LTV/LTC for qualified applicants.
- Uses: Acquisition, refinance, partner buyout, renovation, or expansion.
- Eligibility: U.S. small businesses with demonstrated cash flow and ≥51% owner occupancy.
Who Qualifies for 100% SBA 7(a) Financing?
- Owner-occupied businesses purchasing or refinancing property with ≥51% occupancy by the operating company.
- Entrepreneurs acquiring established companies with cash flow and profitability.
- Partners executing structured buyouts or ownership transfers.
- Professionals purchasing office, medical, or industrial facilities for their own use.
- Operators consolidating multiple locations under a single SBA-backed loan.
Eligible SBA 7(a) 100% Property Types
- Office buildings and professional suites for owner use.
- Retail centers with majority owner-occupied tenancy.
- Warehouses or distribution facilities occupied by the operating business.
- Light industrial or manufacturing properties.
- Hospitality or specialty commercial assets meeting SBA owner-use standards.
- Mixed-use properties with ≥51% of space used by the borrower’s business.
Ineligible SBA 7(a) 100% Property Types
- Investment or non-owner-occupied real estate.
- Speculative development or fix-and-flip projects.
- Land-only or ground-up construction without owner-operator intent.
- Residential rentals or mixed-use projects lacking 51% owner occupancy.
About Cornovus Capital
With more than 70 years of combined capital markets leadership experience, Cornovus Capital is a national institutional commercial real estate and business capital advisory firm. Led by principals and senior advisors across institutional credit, capital placement, asset management, and hospitality ownership, we perform institutional-grade underwriting on every engaged transaction and place credits with pre-qualified capital partners matched to the transaction's credit profile, structure, asset class, and geography.
Our expertise spans seven debt silos: SBA 7(a) 100% CRE, SBA 7(a), SBA 504, Bridge and Structured Debt, CMBS and Conduit, Conventional Multifamily (Agency and LifeCo), and Student Housing, with a Hospitality Owner's Representation overlay led by principals with direct owner-operator experience across the full asset lifecycle. Our quantitative underwriting platform applies institutional credit standards across every transaction, delivering depth, consistency, and turnaround speed.
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
SBA 7(a) 100% CRE financing enables qualified owner-operators to acquire commercial real estate on eligible transactions, covering professional practice, medical and dental, veterinary, franchise, self-storage, and child care asset classes. For active acquisition, refinance, recapitalization, or expansion opportunities, begin with the appropriate financing request. For early-stage discussions, use our inquiry path to confirm program fit and execution strategy.
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