SBA & Commercial Real Estate Resources

Expert answers to the questions borrowers ask most — written by the Commercial Capital Partners team with over 20 years of SBA and commercial lending experience across Southern California.

LOAN COMPARISON

SBA 504 vs. SBA 7(a): Which Is Better for Commercial Real Estate?

For most commercial real estate purchases, the SBA 504 offers lower rates and a fixed 25-year term. Here’s exactly when to use each program.

DOWN PAYMENT

How Much Down Payment Do I Need for a Commercial Real Estate Loan?

SBA loans start at 10% down. Conventional loans require 20–30%. The answer depends on your loan type, property, and business history.

CREDIT & QUALIFYING

What Credit Score Do I Need for an SBA Commercial Real Estate Loan?

Minimum 680. A 720+ score gets better rates and higher approval odds. Here’s what lenders actually look at beyond just your score.

TIMELINE

How Long Does an SBA Loan Take to Close?

SBA 7(a) closes in 30–60 days. SBA 504 takes 60–90 days. Here’s what drives the timeline and how to move faster.

HOTEL FINANCING

Can I Use an SBA Loan to Buy a Hotel?

Yes — both SBA 7(a) and 504 work for hotel purchases. Here’s what lenders require, how much down you’ll need, and how to structure the financing for branded and independent properties.

Ready to Move Forward?

Speak directly with a commercial loan advisor. We structure SBA 504, SBA 7(a), and conventional commercial loans across the Inland Empire and Southern California.