Types of Financing Plans Conventional Commercial Real Estate Loans Conventional loans are generally made to business owners occupying 50% or more of the property for the operation of their business. Exceptions are made to allow for owner-occupancy of less than 50%, even allowing 100% tenant occupied on better quality properties. We look for reasonably good credit, sufficient cash flow from the subject business to service the debt with a reasonable margin and commercial real estate that is in reasonably good condition to collateralize the loan. Multi-use properties will be considered up to 85% loan value. Special or Single Purpose properties are generally limited to 70% or less. Government Guaranteed Loan Programs SBA 7a and 504 loan programs are for purchase, refinance, construction or expansion of eligible owner/user commercial real estate. SBA 7a loans can be combined with conventional loans to provide total financing packages up to $5,000,000. 504 loan Structures allow for the purchase or construction of commercial real estate with as little as 10% down. Use of SBA guarantees allows for higher loan to values, loan terms up to 25 years and more latitude in underwriting than typical bank financing would allow.