Perspectives
10% Down Owner-Occupied Commercial Property Loans
Discover how to secure 10% down owner-occupied commercial property financing with SBA 504 and 7(a) loans. Learn DSCR, occupancy, and EPC/OC structuring.
Structuring a Seller Note for SBA 504 Equity Injection Under SOP 50 10 8
Learn how to structure a seller note to satisfy SBA 504 equity injection requirements under SOP 50 10 8 guidelines and maximize commercial property financing
SBA 504 Lenders for Self-Storage: 2026 Financing Guide
Compare the best SBA 504 lenders for self-storage facilities, including TMC Financing and Live Oak Bank. Learn loan structures, rates, and 50/40/10 terms.
CRE Bridge Loans to SBA Takeout: Structuring Guide
Learn how to structure a commercial real estate bridge loan into an SBA 504 or 7(a) takeout to close fast and secure long-term fixed-rate financing.
Interim CRE Lender for SBA Takeout Pre-Approval: Guidelines & Structuring
Learn how to secure pre-approval from an interim CRE lender for an SBA 504 takeout loan, including bridge guidelines, underwriting criteria, and CDC coordinatio
SBA 504 Loan Closing Costs Breakdown | Thorne CRE
SBA 504 loan closing costs range from 2% to 5% of project costs. Learn about CDC fees, bank underwriting, appraisals, and financing options.
SBA 504 Green Leverage & Financing Fee Advantages for Commercial Real Estate
Explore how SBA 504 Green Loan leverage and fee advantages unlock up to $16.5M in aggregate financing with 90% LTV for commercial real estate projects.
SBA 504 Loan Occupancy Rules for Mixed-Use Property
SBA 504 loan occupancy rules for mixed-use properties require operating businesses to occupy 51% of existing RSF or 60% of new ground-up construction space.
SBA 504 vs 7(a) for Owner-Occupied Commercial Real Estate
For owner-occupied commercial real estate, we recommend SBA 504 loans for lower long-term fixed interest rates and up to 25-year terms on larger purchases, while
SBA 504 Loan Appraiser Occupancy Verification Guidelines: How Appraisers Measure & Verify Space
Discover how commercial appraisers verify owner-occupancy under SBA SOP 50 10 guidelines, including usable square footage rules, site inspections, and plan revi
SBA 504 Loan Same Institution Debt Refinance: Rules & Lender Guidelines
Learn how to refinance same institution debt using an SBA 504 loan. Explore SOP 50 10 compliance, SBA Form 2416 rules, and the 10% substantial
White Label Commercial Mortgage Partner Program | Thorne CRE
We offer white label commercial mortgage partner programs that allow brokers and financial professionals to provide complete commercial real estate financing and SBA loans under