For brokers & agents
Enter the asking price and see SBA 504, SBA 7(a), bank and DSCR financing side by side: cash to close, loan and monthly payment. Share it as a link, a one-page PDF, or a QR code on your flyer.
Monthly payment
$9,567
Buyer occupies 51%+ of the building. 15% down for a start-up or special-purpose property.
Monthly payment
$12,267
Variable rate, Prime plus a spread. Can include the business, equipment and working capital.
Monthly payment
$8,132
Conventional commercial mortgage, typically 5–10 year term on 25-year amortization.
Monthly payment
$8,060
Qualifies on the property’s income, not the buyer’s tax returns.
Cash to close is the down payment; closing costs and lender fees are extra. Rates: the middle of each program’s typical range, benchmarks as of September 2026. An illustration, not a loan offer.
Most buyers of a commercial property ask the same question first: how much cash do I need, and what is the payment? The answer depends on how they will use the building.
A business that will occupy at least 51% of the building can use SBA 504 or SBA 7(a) with as little as 10% down. SBA 504 splits the loan between a bank and a CDC with a long fixed rate on the SBA piece.
A buyer renting the building out usually puts 25–30% down with a bank or a DSCR lender. The property’s net operating income has to cover the payment — lenders typically want 1.20–1.25x.
The sheet uses the middle of today’s typical range for each program (benchmarks as of September 2026) — type a lender’s quote over any rate. It is an illustration for a buyer, not a loan offer: credit, experience, the property and the lender set the real terms.
Not a partner yet? Brokers and agents who refer buyers to BestLoanUSA can join the referral program and save their partner code — the sheet’s link, PDF and QR code then carry it.
Yes. Print the sheet or save it as a PDF, or download the QR code and place it on your flyer. The QR code opens the same numbers online, and if you saved your partner code on this device, buyers who apply through it are credited to you.
Each program’s rate is the middle of the typical range we publish, set from today’s benchmark (10-yr Treasury, 5-yr Treasury or Prime, FRED) plus the spread that lender type usually charges. Benchmarks as of September 2026. You can type a lender’s quote over any rate.
No. It is an estimate for a typical buyer. The real down payment, rate and terms depend on the buyer’s credit and experience, the property and the lender. A BestLoanUSA advisor can compare real offers for the buyer.
