Conventional Loan, The SBA Alternative

Primarily used for purchasing owner occupied commercial real estate. 

Our conventional loan program is very similar to the SBA 504 loan and is primarily used for purchasing owner occupied commercial real estate. Additionally, when our conventional loans are used for refinancing, we frequently provide cash out funds to our new clients.

What types of properties do we finance?

SBA 504

Conventional Loan

Up to $12 million in

Loan amounts.

As of 1/1/23.


Conventional Loan

Up to 25 year


As of 1/1/23.

Businessman discussing project with colleague

Not sure if you’re eligible?

  • For-profit, non-publicly traded businesses
  • Ownership must generally be comprised of 51% U.S. citizens or Legal Permanent Residents (some exceptions apply)
  • Non-profits (except sheltered workshops)
  • Passive holders of real estate and/or personal property
  • Lending institutions (mortgage brokers and correspondent lenders are eligible)
  • Life insurance companies (franchised agents are eligible)
  • Businesses located in a foreign country
  • Businesses selling products or services through a pyramid plan
  • Gambling concerns
  • Businesses which restrict patronage
  • Government owned entities (excluding Native American tribes)
  • Consumer and marketing cooperatives (producer cooperatives are eligible)
  • Businesses engaged in loan packaging
  • Businesses that have previously defaulted on a Federal loan
  • Businesses engaged in lobbying activities
  • Medical offices or medical facilities (such as labs and clinics)
  • Office buildings (including office condos)
  • Warehouses (and other industrial properties)
  • Day care facilities (for children or adults)
  • Free-standing restaurants
  • Limited-service, flagged hotels (some unflagged destination hotels will be considered)
  • Auto repair shops
  • Assisted-living facilities
  • Call to ask about many other property types that are eligible

How to get started.

Step 1

Complete your application.

Apply online directly with no hassle, and once we receive your application you’ll be contacted by one of our Loan specialists to help you understand next steps.

Step 2

Connect with a loan specialist.

Once you’ve received your approval, one of our Loan Specialists will reach out and walk you through next steps.

Step 3

Get approved. Get funded.​

After everything is reviewed and approved, you’ll be on your way to closing your loan to help move your business forward.

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