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 $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.
Part of our guide to Business Loans.
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 million (more for certain manufacturing and energy projects) 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; SBA publishes 504 rates monthly. - SBA 7(a):** up to $5M, more flexible on mixed uses (property plus working capital). Variable rates are capped at Prime plus 3% to 6.5% depending on loan size (10% to 13.5% at the October 2026 Prime of 7.00%); 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.
Estimate your funding
Answer a few questions about your business to see a likely range.
How Quordx Capital Works
One application, about 10 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. Lenders make every credit decision and set the rate, fees and terms, and not every business qualifies. Quordx may be paid by a lender when a deal funds. Full disclosures