SBA 7(a) 100% Financing Solutions for Commercial Real Estate
Owner-Occupied • No Equity Injection Possible • Nationwide Execution
Cornovus Capital delivers SBA 7(a) 100 percent CRE financing solutions for qualified owner-occupied businesses, acquisitions, and partner buyouts — combining lender-level underwriting precision with SBA program expertise to achieve fully leveraged outcomes when program requirements and lender approval are met.
Our platform integrates credit analysis, loan structuring, and SBA packaging into a single, coordinated process — ensuring borrowers experience streamlined execution, faster approvals, and maximum financing efficiency under the 7(a) program.
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 – $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% – 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 | ~45–60 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 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 programs, CMBS and LifeCo financing, private capital solutions, and structured debt strategies. By focusing on certainty of execution, we guide borrowers through complex financial landscapes to secure funding aligned with their growth objectives.
Connect with Cornovus Capital
Exploring SBA 7(a) 100% financing? From feasibility modeling and SBA eligibility strategy to lender negotiation and closing coordination, our team delivers the advisory precision, underwriting strength, and packaging discipline that define certainty of execution.
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