SBA business loans are designed to help business owners access affordable capital for major purchases, refinancing, expansion, or even ownership transitions. Whether you’re buying your own commercial building, acquiring a business, or buying out a partner, these government-backed loans offer long terms, competitive rates, and low down payments — often as low as 10%.
At Federal Hill Mortgage, we simplify the SBA loan process and structure solutions that align with your long-term business goals. We’ll help you access the capital you need — while preserving your cash flow and minimizing upfront costs.
Available for owner-occupied properties and U.S.-based, for-profit businesses. Average closing timeline: 45 days
Finance your building with as little as 10% down and no balloon payment. Use SBA loans to purchase, refinance, or build your owner-occupied commercial space with terms up to 25 years.
Looking to take over a business or buy out a partner? SBA loan programs can fund up to 90% of the cost — including goodwill — with terms up to 10 years and fixed or variable rate options.
You can build working capital directly into the loan, allowing you to maintain liquidity after closing. Perfect for startups, acquisitions, or businesses planning for growth.
We work with business owners in all stages of growth — from first-time buyers to experienced operators planning their next move. Let’s take a look at your scenario and see what’s possible. Whether you’re expanding, acquiring, refinancing, or starting up, we’ll guide you through every step.
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SBA 7(a) loans are flexible and can be used for real estate, business acquisitions, working capital, partner buyouts, and more. SBA 504 loans are primarily for purchasing or refinancing owner-occupied commercial real estate and large equipment, with long-term fixed rates. We’ll help you determine the best fit based on your goals.
Most SBA loans require as little as 10% down. Business acquisitions may require 15%, with some flexibility if the seller carries a portion of the financing. Start-ups may require 30%. We’ll help structure your loan to minimize upfront costs wherever possible.
Yes. SBA loans can fund the purchase of an existing business or franchise, including goodwill, inventory, and working capital. They can also help with expansion into new locations.
The property must be majority owner-occupied — meaning your business uses at least 51% of the space. Office buildings, warehouses, retail shops, restaurants, medical facilities, and more may qualify.
Yes. If refinancing results in at least a 10% reduction in debt service, you may qualify for a new SBA loan. We’ll review your existing loan terms and explore the best way to improve your cash flow.
