Commercial
SBA Express in Miami, FL
Secure your SBA Express in Miami with a lender who understands the local landscape. We serve all of Miami-Dade County, including Wynwood and Coconut Grove, offering fast approvals and personalized service.
Key Facts About SBA Express
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 Express ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for SBA Express.
CMRE SBA Express closes in LLC, corporation, or trust names.
Program Benefits
Fast and efficient loan processing for quick access to capital.
Competitive interest rates, starting at 8.5%, to minimize borrowing costs.
Lower down payment requirements compared to traditional commercial loans.
Flexible repayment terms to fit your business's cash flow.
Government guarantee reduces risk for lenders, increasing approval chances.
Use funds for a wide range of business purposes, including working capital, equipment, and real estate.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$50K - $500K
Amortization Options
Eligible Properties
- Office Buildings
- Retail Spaces
- Warehouses
- Mixed-Use Properties
Program Requirements
Income Documentation
- •Demonstrate a consistent revenue stream sufficient to cover loan payments.
- •Provide detailed financial statements, including profit and loss statements and balance sheets.
- •Show a positive trend in revenue and profitability over the past few years.
- •Submit tax returns for the business and all principals.
Asset Verification
- •List all business assets, including cash, accounts receivable, inventory, and equipment.
- •Provide documentation to verify the value and ownership of all assets.
- •Demonstrate sufficient collateral to secure the loan, if required.
- •Include any personal assets that may be used as additional security.
Insurance & Title
- •Maintain adequate business insurance coverage, including general liability, property, and workers' compensation.
- •Provide proof of insurance coverage to the lender.
- •Ensure that the insurance policies meet the lender's requirements for coverage amounts and endorsements.
- •Maintain life insurance on key personnel, if required by the lender.
Property Requirements
- •Maintain a minimum FICO score of 640 or higher.
- •Demonstrate a history of responsible credit management with on-time payments.
- •Provide a detailed credit report for the business and all principals.
- •Address any past credit issues, such as bankruptcies or foreclosures, with a written explanation.
SBA Express in Miami: The Complete Guide
What Is SBA Express?
The SBA Express loan program is designed to provide small businesses with access to capital more quickly than traditional SBA loan programs. It offers a streamlined application process and faster approval times. While the maximum loan amount is typically lower than other SBA programs, the SBA Express loan can be an excellent option for businesses with urgent funding needs.
Qualifying for SBA Express
- •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 Express 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 Express 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 →SBA Express in Miami, FL
Miami's premier mortgage lender. Specialized in condo financing, foreign national loans, and jumbo mortgages. Custom Mortgage & Real Estate specializes in providing high-fidelity SBA Express solutions tailored to the unique economic landscape of Miami and the surrounding Miami-Dade County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireMiami metropolitan area.
Service Areas & Neighborhoods
Our Miami Presence
Local Knowledge. Global Rates.
600 Brickell Ave
Miami, FL 33131
Direct Line
877-976-5669Common Questions About SBA Express in Miami
What are current SBA Express rates in Miami, FL?
SBA Express rates in Miami depend on loan amount, credit profile, and property type. CMRE publishes updated Miami rate ranges daily and provides locked quotes within 24 hours of application.
How long does SBA Express closing take in Miami?
CMRE typically closes SBA Express loans in Miami within 21-30 days from application. Pre-approval takes 24 hours, and our FL-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What commercial property types qualify in Miami?
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Miami and throughout Miami-Dade County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Does CMRE offer SBA loans in Miami?
Yes. CMRE is an SBA Preferred Lender in Miami. We offer SBA 7(a), 504, and Express loans for Miami-Dade County business owners purchasing or refinancing commercial real estate.
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 Express loan funds can be used for a variety of business purposes, including working capital, equipment purchases, real estate acquisitions, leasehold improvements, and debt refinancing.
The SBA Express loan program is designed for faster processing. Approval times can vary depending on the lender and the complexity of the application, but typically range from a few weeks to a month.
The maximum loan amount for an SBA Express loan is typically $500,000, but can vary based on lender and borrower qualifications.
CMRE SBA Express 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.
30-60 days depending on complexity. SBA: 45-90 days.
SBA Express by Location
Get local rates, loan limits, and market data for SBA Express in your area.
CA
CO
GA
ID
IL
MI
NJ
NY
OH
OR
VA
WA
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."
