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 loans through the preferred lenders Radix works with. We can facilitate a $1,000,000 on a $500,000 piece of property, and we can wrap the entire loan into a 25 year term.

The below breakdown is a summary of the programs of the SBA lenders Radix works with and is not a specific reflection the 7(a) program in general:

• 6.8%- 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.
• Offered nationwide
• Borrowing company must occupy 51% of the property

Are you looking for Commercial Real Estate Funding, but don’t want an SBA loan? This is your best option. We work with lenders that can fund up to 65% Loan-to-Value nationwide, and as high as 75% 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