Commercial
SBA 7a
The SBA 7a loan program, offered by CMRE, is a powerful tool for small businesses seeking financing for various needs. With competitive rates starting at 8.5%, flexible terms, and a streamlined application process, the SBA 7a loan can help your business achieve its growth objectives. Let CMRE guide you through securing the capital you need to thrive.
Key Facts About SBA 7a
CMRE commercial loans finance office, retail, industrial, and multifamily properties.
Commercial loans from CMRE range from $500,000 to $50 million.
CMRE commercial programs offer 5, 7, and 10-year fixed-rate terms.
Commercial loans at CMRE require a minimum DSCR of 1.25.
CMRE commercial lending covers acquisition, refinance, and construction.
CMRE SBA 7a ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for SBA 7a.
CMRE SBA 7a closes in LLC, corporation, or trust names.
Program Benefits
Competitive interest rates starting at 8.5%, potentially saving you money over the life of the loan.
Flexible repayment terms designed to fit your business's cash flow.
Can be used for a wide range of business purposes, including working capital, equipment purchases, and real estate acquisition.
Lower down payment requirements compared to conventional commercial loans, with a maximum LTV of 75%.
Benefit from the SBA's guarantee, making it easier for lenders to approve your loan.
Expert guidance from CMRE's commercial loan specialists throughout the entire application process.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
N/A
Loan Amount Range
$50,000 - $5,000,000
Amortization Options
Eligible Properties
- Office Buildings
- Retail Spaces
- Industrial Properties
- Warehouses
Program Requirements
Income Documentation
- •Demonstrate sufficient revenue to comfortably repay the loan.
- •Provide detailed financial statements, including profit and loss statements and balance sheets.
- •Clearly articulate the intended use of funds and its impact on revenue generation.
- •Projected income statements demonstrating the ability to service the debt.
Asset Verification
- •Provide a comprehensive list of business assets, including real estate, equipment, and inventory.
- •Document the value of all pledged collateral.
- •Personal assets of the business owner(s) may be considered.
- •Cash flow analysis to support loan repayment.
Insurance & Title
- •Maintain adequate property insurance to protect assets.
- •General liability insurance is required.
- •Business interruption insurance may be required depending on the business type.
- •Proof of insurance coverage must be provided.
Property Requirements
- •Minimum FICO score of 640 required.
- •Good credit history with no recent bankruptcies or foreclosures.
- •Demonstrated history of responsible financial management.
- •Personal credit reports of all business owners will be reviewed.
Complete Guide to SBA 7a Loans
What Is SBA 7a?
The SBA 7a loan is a popular government-backed loan program designed to support small businesses. It offers a guarantee to lenders, reducing their risk and making it easier for small businesses to access capital. This loan can be used for a variety of purposes, including purchasing real estate, equipment, working capital, and more. CMRE's team of experts can help you navigate the complexities of the SBA 7a program and determine if it's the right fit for your business needs.
Qualifying for SBA 7a
- •Underwritten on property income (DSCR) and borrower financial strength.
- •Typical DSCR requirement: 1.20x-1.25x (NOI / debt service).
- •2+ years business experience, adequate liquidity, acceptable credit.
- •CMRE commercial bank statement programs: qualify with 12-24 months statements instead of tax returns.
- •SBA programs (7(a), 504, Express) available for owner-occupied commercial with as low as 10% down.
SBA 7a vs. Residential Lending
- •Commercial: underwritten on property cash flow. Residential: on borrower income.
- •Commercial terms: 5-10 year terms with 25-30 year amortization.
- •Commercial allows LLC/Corp entity vesting for asset protection.
- •CMRE offers both — our team determines the best structure for your situation.
Apply for SBA 7a with CMRE
- •Step 1: Submit property details — type, location, price, NOI, business plan.
- •Step 2: CMRE provides preliminary terms within 48 hours.
- •Step 3: Application with financial statements, rent rolls, entity docs.
- •Step 4: Appraisal and environmental assessment.
- •Step 5: Underwriting in 2-4 weeks. Closing in 30-60 days.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
SBA 7a loans can be used for a wide range of business purposes, including purchasing real estate, equipment, working capital, refinancing debt, and more. The specific uses will depend on your business needs and the lender's requirements.
The maximum loan amount for an SBA 7a loan is typically $5 million. However, the actual amount you can borrow will depend on your business's financial situation and the lender's assessment of your creditworthiness.
Interest rates for SBA 7a loans are typically competitive and may be fixed or variable. The specific interest rate will depend on the lender, the loan term, and the borrower's creditworthiness. CMRE offers SBA 7a loans with competitive rates starting at 8.5%.
The approval process for an SBA 7a loan can vary depending on the lender and the complexity of the loan application. However, CMRE strives to provide a streamlined and efficient application process, with most loans being approved within a reasonable timeframe.
CMRE SBA 7a starts at $250,000. SBA may start lower. Max depends on property type — up to $50M.
Yes. Entity vesting is standard for commercial. Personal guarantee typically required.
Yes. CMRE commercial bank statement programs use 12-24 months statements instead of tax returns.
Typically 5-10 year terms with 25-30 year amortization. CMRE structures terms based on cash flow and exit strategy.
SBA 7a by Location
Get local rates, loan limits, and market data for SBA 7a in your area.
CA
CO
GA
ID
IL
MI
NJ
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
