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SBA 7(a) Loan Delivers 100% Financing for Class A Office Acquisition

Introduction

Strategic SBA 7(a) financing powers 100 percent ownership with no capital injection. Cornovus Capital structured and closed a 100 percent SBA 7(a) loan for a business seeking to transition from leasing to ownership. The transaction involved the acquisition of a professionally finished Class A office building and included full project funding—covering the real estate, working capital, FF&E, and closing costs—with zero equity contribution from the borrower.

The business had previously leased office space but recognized the opportunity to build equity and gain full control over its operations. Facing a compressed closing timeline, borrower-side delays, and strict SBA compliance requirements, Cornovus Capital led the process from end to end—closing the loan in under 40 days.

This case highlights how high-performing businesses can acquire prime real estate with no money down by leveraging the SBA 7(a) loan program—when expertly structured.

Challenge

Fast close, no equity, and tight compliance required sophisticated execution. A growing service-based business identified a fully upgraded Class A office building as its ideal long-term home. With rising lease costs and a desire for operational control, the borrower wanted to stop paying rent and start building ownership equity. However, the deal came with significant friction.

  • The borrower requested 100 percent financing with no capital contribution
  • The seller required a fast, clean close with minimal flexibility
  • The borrower’s internal process was inconsistent and disorganized
  • SBA eligibility required proper structuring between operating and real estate entities
  • Third-party reports and lender communication had to be accelerated

Solution

Zero equity SBA 7(a) financing structure with full project coverage and coordinated execution. Cornovus Capital immediately assumed full control of the capital process. Our team structured a fully compliant SBA 7(a) financing package that required zero equity and funded the entire project. We proactively managed third-party reports, guided the borrower through documentation requirements, and ensured the lender received clear, SBA-ready submissions.

What we delivered:

  • Structured 100 percent SBA 7(a) financing with no equity injection
  • Created compliant EPC/OC lease structure aligned with SBA regulations
  • Covered full project costs including FF&E, working capital, and closing expenses
  • Managed lender communications to preserve confidence and timeline
  • Closed the loan in under 40 days without interruption

Results

Class A office ownership achieved with no capital injection and full control secured. The borrower acquired a high-visibility Class A office property without any out-of-pocket equity and seamlessly transitioned out of a lease into ownership. The SBA 7(a) loan covered every eligible use of funds, and the business now benefits from cost stability, equity growth, and brand presence.

  • Class A professional office secured with 100 percent financing
  • No equity or down payment required from the borrower
  • All SBA documentation, underwriting, and compliance handled by Cornovus
  • Full project costs financed under one SBA 7(a) loan
  • Transaction closed in less than 40 days from commitment

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 you’re acquiring a business, buying out a partner, expanding operations, or combining real estate into a growth plan—we deliver capital strategies designed for certainty and efficiency.

What Sets Us Apart?

• Advisory expertise across business stages and sectors: We structure financing for acquisitions, expansions, partner buyouts, and practice ownership transitions.

• Innovative capital structuring: We integrate seller notes, working capital, CapEx, and goodwill financing into efficient, customized capital stacks.

• Lender alignment and competitive terms: We match each transaction with lenders who understand your industry—ensuring smooth approvals and favorable terms.

• End-to-end execution and advisory support: From deal modeling and loan packaging to lender communication and closing, we manage the entire process to ensure successful outcomes.

For business owners, professionals, and entrepreneurs seeking flexible SBA financing, Cornovus Capital delivers strategic insight, execution certainty, and long-term support.

Contact Cornovus Capital

At Cornovus Capital, we simplify the financing process with tailored solutions, competitive loan terms, and expert advice. Whether you’re acquiring, refinancing, or developing a property, we’re here to help you succeed.

📧 info@cornovuscapital.com
📞 513-653-4246
🌐 CornovusCapital.com

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