$1.35M SBA 7(a) loan provides 100%+ financing for construction business expansion

Introduction

Financing that builds strength through strategic SBA execution. Cornovus Capital structured a $1.35 million SBA 7(a) loan to support the expansion of a high-performing construction company specializing in building services. The borrower needed a new campus that could accommodate future hiring, increased fleet operations, and equipment storage capacity. Through strategic lender relationships, Cornovus delivered 100%+ financing that included working capital reserves while ensuring SBA compliance and closing coordination.

Challenge

A rapidly growing construction services company required expansion across multiple facilities. Parking space for vehicles, office and training areas were insufficient for daily operations, and the company’s two existing properties were not structured for future scalability. The process involved complex real estate and SBA compliance challenges requiring acquisition financing, build-out, and land purchase integration.

Two-Parcel Acquisition from Single Seller – Though both properties were owned by the same party, the acquisition still required careful coordination of appraisals, environmental reports, and title clearances under SBA’s multi-parcel lending requirements.
Property Use Compliance – Only 51% occupancy would be fully utilized at closing, requiring a detailed property usage plan for SBA approval.
Working Capital Needs – Expansion required funds to cover acquisition price, site improvements, closing costs, and working capital reserves.
Documentation Requirements – The borrower’s rapid growth and consolidated financials required additional reporting to ensure SBA verification and underwriting compliance.

Solution

Strategic SBA financing structure supporting both real estate and operations under one facility-based loan. Cornovus Capital structured a comprehensive SBA 7(a) loan providing 100%+ financing with additional reserves to optimize operating performance.

$1.35M SBA 7(a) loan encompassing real estate acquisition, office build-out, working capital, SBA fees, and closing costs—eliminating the need for outside equity.
Validated Growth Plan – Historical performance and detailed expansion plan were presented as a strong narrative supporting long-term repayment stability.
Regulatory & Legal Alignment – Cornovus worked across parties to resolve environmental, zoning, title, and SBA collateral requirements in advance of closing.
End-to-End Management – From commitment to funding, Cornovus ensured a seamless borrower experience with structured communication and lender coordination.

Results

A stronger business now has the space and capital to scale with confidence.

Campus Acquisition Completed – The borrower successfully acquired a two-building property capable of supporting near-term and future growth.
Operational Capacity Increased – The new facilities allowed for onboarding additional field and office team members, improving logistics and workspace flow.
Cash Flow Protected – 100% SBA financing eliminated upfront cash needs and preserved liquidity post-closing.
Regulatory Compliance Met – SBA requirements for occupancy, use, and documentation were achieved—ensuring full eligibility and program compliance.
Strategic Growth Secured – The expansion positioned the business to scale toward a multi-location regional footprint.

About Cornovus Capital

With over 70 years of combined experience, Cornovus Capital is a trusted financial partner specializing in business financing, commercial real estate lending, and construction industry 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 objectives.

Why Partner with Cornovus Capital?

At Cornovus Capital, we understand that every construction and business expansion requires thoughtful planning, clear communication, and execution certainty. Whether acquiring facilities, expanding operations, or consolidating debt, we deliver capital strategies designed to meet both immediate and long-term growth objectives.

What Sets Us Apart

Advisory expertise in adaptive reuse, commercial redevelopment, and business expansion
Innovative capital structuring including SBA 7(a), SBA 504, and conventional financing solutions
Proven execution across construction, manufacturing, and owner-occupied real estate sectors
End-to-end advisory and lender coordination support from underwriting through funding

Contact Cornovus Capital

For construction and business owners seeking 100% financing solutions to support acquisition, expansion, or working capital needs, Cornovus Capital delivers expertise, efficiency, and certainty.

Email: info@cornovuscapital.com
Phone: 513-993-3044
Website: cornovuscapital.com