California small business funding
SBA Loans for Commercial Real Estate in California
SBA 7(a) and 504 loans are the most affordable way for a business to buy its own building. The SBA guarantee lets lenders offer lower rates, 10% down payments, and terms up to 25 years on owner-occupied commercial real estate — and the same programs also cover business acquisitions, major equipment, and working capital.
We arrange financing nationwide — headquartered in California
Amount
$10,000 – $5,000,000
Term
10 – 25 years
Speed
Funding in 30–45 days
Best for
Who this product fits
- Owners buying the building their business operates out of
- Businesses with 2+ years of operating history
- Owners refinancing expensive short-term debt into a longer term
Use of funds
What businesses use it for
- Buying owner-occupied commercial real estate (7(a) or 504)
- Ground-up construction or major property improvements (504)
- Refinancing an existing commercial mortgage
- Business acquisition, partner buyout, or long-term equipment (7(a))
See what your California business qualifies for.
5-minute application. No hard credit pull. No obligation.
Qualifications
General requirements
- 2+ years in business (preferred)
- Owner-occupied property — your business uses at least 51% (existing) or 60% (new construction)
- 680+ FICO typical, with strong revenue and ability to repay
- Clear business plan and use of funds
Specific qualifications vary by lender and program. The numbers above reflect the most common bars for this product in our network — they are not a guarantee of approval or specific terms.
Keep exploring
Related guides & programs
Dig deeper into the topics and products California owners ask about most.
Business Loans in California With Bad Credit
What to do while you rebuild toward SBA-eligible credit.
Learn moreAfter You Register: The Financial Checklist
Set up your business the right way to be SBA-ready.
Learn moreCommercial Real Estate Loans
SBA 504 alternatives for CA property purchases.
Learn moreWorking Capital Loans
Bridge capital while an SBA application is in underwriting.
Learn moreReady to see what you qualify for?
No credit pull. No obligation. A few minutes to see real options.
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