Commercial Real Estate Loan Financing Program

Purchase or Refinance Owner-Occupied Commercial Real Estate

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.

Commercial Real Estate Loan types

SBA Loan 504

An SBA 504 loan is perfect for business owners looking to purchase commercial real estate, refinance commercial debt, or pull a bit of cash out of their property

7.5% - 8%
25 Year Term
Purchase and refinance
Loans starting at $200,000
Maximum 90% Loan-to-Value of appraised property value
Can fund 20% of property value for non-real estate related uses such as working capital or debt refinance.
Funds nationwide

SBA 7a Loan

An SBA 7a loan can also be used by business owners to refinance debt, purchase a property, or simply cash out for working capital.

Unlike a 504, there are no limits on what percent of the loan must be used for real estate. In addition, there are no loan-to-value requirements for 7a. We can fund $1,000,000 on a $500,000 piece of property, and we can wrap the entire loan into a 25 year term.

8.- 11.25%
25 Year Term
Purchase and Refinance
Loans starting at $200,000
Over 100% Loan-To-Value
50% of proceeds must be related to a real estate purchase or real estate refinance to get to a 25 year term. If the percentage is lower, we lower the term in a sliding scale.
Eligible nationwide

Owner Occupied non-SBA

Are you looking for Commercial Real Estate Funding, but don’t want an SBA loan? This is your best option. We can fund up to 60% Loan-to-Value nationwide, and as high as 95% Loan-to-Value in some states.

6.75-9%
25 Year Term
Purchase and Refinance
Loans starting at $200,000
95% Loan-to-Value
0% of proceeds must be related to a real estate purchase or refinance, but property must be used as collateral
Global debt service ratio can be as low as 1:1

simple

3 Step Process

Save the hassle. Purchase a property with Radix

Check Eligibility

Review the eligibility requirements below for this loan program

Apply Online

Complete the online application & submit the required documentation for underwriting

Get Funded

IT'S THAT EASY!

Frequently Asked Questions

Who is eligible?

Business owners with credit scores over 650
Both start up and established companies can apply
Profitable businesses with cash flow supporting loan payments
Start up businesses with strong projections

Who is not eligible

Businesses or business owners who have filed for a bankruptcy in the last 3 years
Businesses or business owners with taxes owed with no payment plan in place
Businesses or business owners with unreleased judgments

What are the loan terms?

Amount: $100,000-$5,000,000

Interest rate: 6.75%- 11.25%

Loan period: 25-year term and amortization

Closing timeframe: 6-10 weeks

Payment frequency: Monthly payments

Prepayment penalty: Yes

Will a lien or a personal guarantee be required?

UCC filing on the business- Yes (This is standard for all business loans)

Personal guarantee- Yes

Business property lien- Yes

Personal home lien- If the loan to value is over 85%

What documentation is required for underwriting?

All Radix needs for pre-approval

Three years of personal and business tax returns
Year-to-date profit and loss and balance sheet
Personal Financial Statement
6 Months of Business Bank Statements
Current business debt schedule

What can I use the funds for?

Commercial Real Estate Purchase
Commerical Real Estate Refinance
Working Capital
Cash Out

Are there any alternative options?

Need working capital or non real estate related funding? Try our SBA Working Capital Loan or our SBA Express Loan.

Don’t want an SBA Loan? Try our Line of Credit or Term Loan.

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