How to get a loan to buy commercial real estate?
To get a loan to buy commercial real estate, choose between two main paths: conventional commercial real estate financing ($100K-$10M+) or, for owner-occupied property, SBA loans, either the 504 program (up to $5.5M, long-term fixed rates) or 7(a) (up to $5M). SBA routes can put you in a building for as little as 10% down, versus the larger down payments conventional lenders often require. Every year you rent, you're paying down someone else's mortgage. Quordx Capital matches buyers to CRE and SBA lenders from a 50+ network: free, one application.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
The two paths to buying commercial property
Path 1: SBA loans (owner-occupied property): If your business will occupy the building, SBA financing is usually the cheapest entry:
- **SBA 504: up to $5.5M for fixed assets and commercial real estate, structured through a CDC plus a bank. Typically 10% borrower contribution (15-20% for special-use or startup properties). Rates are fixed for the life of the loan and tied to the 10-year Treasury: the May 2026 debenture rate was 4.82%, with effective rates typically in the 5-7% range. - SBA 7(a):** up to $5M, more flexible on mixed uses (property plus working capital). Current variable rates run roughly 10.5%-14% depending on loan size; most 7(a) lenders look for 650+ credit and 2+ years in business strengthens approval.
Path 2: conventional commercial real estate financing: For investment property, faster closings, or deals outside SBA rules, conventional CRE loans run $100K-$10M+. Underwriting centers on the property's income or your business's debt service coverage, plus your down payment and credit.
Documentation is heavier than other products: expect bank statements, business tax returns, P&L and balance sheet, entity documents, and property details.
CRE funding options Quordx Capital brokers
SBA 504 loans: Best for owner-occupants who want maximum leverage (10% down) and fixed rates for decades.
SBA 7(a) loans: Best for purchases bundled with renovation or working capital needs.
Commercial real estate financing: Best for investment properties and deals that need speed or fall outside SBA eligibility.
Business line of credit: Best as a companion for closing costs, improvements, and move-in expenses.
How Quordx Capital Works
One application, about 5 minutes, starts the process; you'll upload financials including tax returns and a P&L for a deal this size. The AI engine then identifies 3-7 CRE-capable lenders from the 50+ network, ranked by fit and approval likelihood. Initial lender responses typically come in 24-48 hours; real estate closings naturally run longer than the standard 3-7 day funding window, and SBA deals longer still.
What to Expect
Expect a heavier document lift and a longer timeline than working capital loans: that's the nature of property deals, and the rate savings reward the patience. Expect plain-language comparison of SBA versus conventional on your actual numbers, including total cost and down payment trade-offs. Quordx Capital's matching is free, every fee is disclosed, and there's no obligation at any stage.
Apply for Funding
No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
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Quordx Capital is a business funding broker, not a lender. We facilitate introductions between U.S. small and medium-sized businesses and lenders or capital providers in our network. All credit decisions, funding amounts, rates, fees, repayment terms, and timelines are determined solely by individual lenders based on their own underwriting criteria.
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