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The Radix Financial Group offers multiple Owner Occupied Commercial Real Estate Loan Programs. Whether you are looking to refinance your current loan, cash out working capital, refinance non-real estate debt, or simply purchase a property for your business, Radix can help facilitate your loan through our preferred SBA lenders.
Owner-occupied commercial real estate financing covers loans used to purchase or refinance property where the borrowing business itself occupies at least 51% of the building — the threshold required for SBA 504 and SBA 7(a) eligibility.
Through Radix Financial Group’s preferred-lender network, qualified business owners can secure $200,000 to $100,000,000 at rates starting at 6.5% on 25-year terms. Funding closes in 6 to 10 weeks. Programs include SBA 504, SBA 7(a), and non-SBA owner-occupied loans.
Three program options: SBA 504 for purchase or commercial-debt refinancing at 6.8%–8% with up to 90% LTV; SBA 7(a) at 6.8%–11.25% with no LTV cap (over 100% LTV available); and non-SBA owner-occupied at 6.5% with up to 80% LTV in 23 states.
Prior SBA, EIDL, or PPP borrowing does not disqualify applicants. New-property purchases can be funded with 0% down through certain programs. Radix Financial Group has facilitated more than 3,500 SBA loans and over $700 million in funding across all 50 states.
Key facts at a glance
What is an SBA 504 loan?
An SBA 504 loan is a long-term, fixed-rate loan designed for purchasing or refinancing major fixed assets — primarily owner-occupied commercial real estate. Through Radix Financial Group, SBA 504 loans start at $200,000, with rates between 6.8% and 8%, 25-year terms, and up to 90% loan-to-value of the appraised property value.
What is an SBA 7(a) loan for commercial real estate?
An SBA 7(a) loan can be used to purchase or refinance commercial real estate, refinance other business debt, or include working capital in the same loan. Unlike the 504 program, the 7(a) program has no fixed limit on what percent must be allocated to real estate. Through Radix, 7(a) loans start at $200,000, with rates between 6.8% and 11.25% and 25-year terms, and over 100% loan-to-value is available.
What is the difference between SBA 504 and SBA 7(a) for commercial real estate?
SBA 504 is purpose-built for fixed-asset purchases and offers 25-year terms at lower fixed rates (6.8% to 8%) with a 90% LTV cap. SBA 7(a) is more flexible — proceeds can include real estate, debt refinancing, working capital, and acquisition in a single loan, with rates from 6.8% to 11.25% and over 100% LTV available. To qualify for the full 25-year term on a 7(a), at least 50% of proceeds must be tied to a real estate purchase or refinance.
Do I have to occupy the property?
Yes — for SBA-backed commercial real estate loans (504 and 7(a)), the borrowing business must occupy at least 51% of the property. For non-SBA owner-occupied loans, the property must still be used as collateral and occupied by the business.
What is the minimum down payment?
Down payment depends on the program. SBA 504 generally requires 10% down (90% LTV). SBA 7(a) through Radix can finance over 100% LTV, meaning a 0% down payment is possible for qualified borrowers. Non-SBA owner-occupied loans require at least 20% down (80% LTV).
Can I refinance an existing commercial real estate loan?
Yes. All three programs Radix offers (SBA 504, SBA 7(a), and non-SBA owner-occupied) support refinancing of existing commercial real estate loans. SBA 7(a) can also wrap in non-real-estate business debt and working capital alongside the refinance.
What is the typical funding timeline?
Owner-occupied commercial real estate loans through Radix typically close in 6 to 10 weeks, depending on appraisal, environmental review, and the complexity of the transaction.
What if I don't qualify for an SBA program?
Radix offers a non-SBA owner-occupied commercial real estate program available in 23 states, with rates from 6.5% on 25-year terms and up to 80% LTV. The property must be used as collateral, and global debt-service ratio of 1.25 or higher is required.
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Radix Financial Group and its affiliates are not lenders participating in SBA’s 7(a) loan program. Radix is a marketplace to help business owners obtain SBA 7(a) loans. Said loans are ultimately processed and approved by a lender participant in SBA’s 7(a) loan program.