Replace the rent. Own the building.

Potentially, if the business, property and purchase qualify. SBA financing can help an operating business buy the premises it uses. AWG compares your rent with proposed debt payments, taxes, insurance and maintenance to assess whether ownership works for the business. Passive rental investments and speculative real estate are outside this service.

Some eligible established businesses may qualify for up to 100% financing on an owner-occupied property purchase through SBA 7(a), with no down payment. This is subject to lender policy, underwriting, appraisal and approval. Loan-to-value (LTV) is measured against the lender’s accepted property value, so 100% purchase financing does not automatically mean 100% LTV. Property bought as part of a business acquisition can have different equity requirements. SBA 504 has separate borrower-equity requirements.

No. Even if the property purchase requires no down payment, closing costs, third-party reports, deposits or required reserves may still need cash. We explain what can be financed and the cash you would need before you commit.

For an existing building financed through SBA 7(a) or 504, the operating business generally must occupy and use at least 51% of the rentable property. New construction generally requires at least 60% initially, with additional future-occupancy requirements. AWG reviews the proposed use, tenants and ownership structure before identifying a financing path.

Potentially. An expansion or improvement of an existing owner-occupied facility may be eligible. The scope, project budget, property, business and proposed financing all need review.

That depends on the project. SBA 7(a) can support eligible real estate and mixed financing needs. SBA 504 focuses on qualifying fixed assets and involves a Certified Development Company and a senior lender. Working capital is not an eligible 504 use. AWG helps assess the fit before placement.

SBA 7(a) loans may have fixed or variable interest rates, depending on the lender. SBA 504 includes a fixed-rate CDC portion; the separate bank loan has its own terms. AWG compares the rate structure, any reset provisions, repayment terms and total cost against your business’s cash flow.

Our network includes lenders specializing in SBA owner-occupied commercial real estate. We help you compare rates, fees and structure, understand the trade-offs and make an informed financing decision. You have experienced credit guidance through lender review, approval and closing.

Closing in as few as 45 days may be possible for a suitable transaction once the lender has a complete, financeable file. Appraisal, environmental review, title work, SBA requirements and lender underwriting affect the schedule. Construction or more complex projects may take longer. A 45-day closing is not guaranteed.

AWG is an SBA financing advisor and placement firm. We assess the request, prepare the credit memo, identify suitable lenders and help you evaluate their offers. We guide you through lender review, approval and closing. The lender makes the credit decision; financing is subject to approval.

Our financing placement fee is paid by the lender at closing. If applicable, any separate advisory scope and fee are agreed with you at the outset. Lender fees and third-party closing costs are separate.

No. An initial inquiry or partner introduction is not a credit approval or a commitment to lend. Financing is subject to lender underwriting, approval and applicable SBA requirements.