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 7(a) loans offer greater flexibility, faster closing, and combined working capital.
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 benefit requireme
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 their own brand while leveraging our capital, underwriting expertise, and streamlined closing.
SBA 504 Loan DSCR Calculation Formula: Practical Guide for Professionals
We calculate the SBA 504 loan DSCR using the formula: DSCR = Net Operating Income (NOI) / Annual Debt Service. Annual Debt Service includes principal, interest, taxes, and insurance across all business obligations, including the CDC and primary lender loans.
Mastering SBA 504 Debt Refinancing Without Expansion Rules
We guide business owners through SBA 504 debt refinancing without expansion rules, allowing qualification up to 90% LTV on eligible commercial debt. Updated rules eliminated the 50% debt cap, requiring debt to be 6+ months old with 51%+ owner occupancy.
SBA Loan Referral Fees for Commercial Real Estate Brokers: Rates, RESPA, & SBA Form 159
We typically pay commercial real estate brokers a referral fee between 0.5% and 1% of the SBA loan amount upon closing. All referral payments adhere strictly to SBA guidelines and require disclosure via SBA Form 159.
Commercial Real Estate Financing for Medical Office Buildings
We provide commercial real estate financing for medical office buildings through SBA 504, 7(a), and conventional loans. Features include up to 90–100% LTV, competitive fixed rates, and flexible 10 to 25-year repayment terms tailored for healthcare providers.
Structuring SBA 504 Loans for Change of Ownership Real Estate Acquisitions
Learn how to structure SBA 504 loans for change of ownership real estate acquisitions, including 100% buyout rules, 51% occupancy, and companion 7(a) strategies
Owner-Occupied Commercial Property Financing Terms: Comprehensive Guide
We offer owner-occupied commercial financing for properties where your business occupies at least 51% of space. Typical terms include 10% to 20% down, amortizations up to 25 years, and flexible fixed or variable interest rates.