SBA Commercial Loan

City Capital Finance structures customized SBA commercial real estate loans to meet your needs. Why lease when you can own a property with as low as 10% down payment and gain so many benefits? City Capital Finance can arrange competitive rates, longer loan payment terms and high loan amounts.

Purpose of SBA Commercial Loan

  • Purchase of commercial real estate
  • Refinance existing loan
  • Improving cash flow and business expansion



Size of SBA Commercial Loan

  • $500,000 to $4 million


Cash Injection Requirements

  • As little as 10%, depending on use of proceeds


Terms of Loan

  • Up to 25 years for real estate


Loan Fees

  • Loan fee generally 1.5% to 2.6% of loan amount


Qualifying Requirements

  • 3 years management experience or 1 year profitable business ownership experience
  • Adequate historical cash flow to repay the loan
  • Owner/user to occupy 51% of existing building
  • Net worth of less than $8.5 million and net profit of less than $3 million average over the last two years
  • Acceptable credit history


Loan Turnaround times

  • 10 business days for Bank approval upon receipt of complete package
  • 45-60 days funding from receipt of completed application package


Type of Real Estate Loans