SBA-Backed Private Lending for Special Scenarios
Belaire Private Capital is happy to announce that we can now offer SBA guaranteed loans for our clients.
The myth about SBA lending clarified: the U.S. Small Business Administration (SBA) backs private lenders and does not lend money directly to business owners.
Instead, it partners with approved private lenders - such as banks, credit unions, and selected financial partners - and guarantees a major portion (typically 75% to 85%) of the loan amount if the borrower defaults.
This guarantee covers owner-occupied commercial properties where client’s business physically occupies at least 51% of the space.
How the Backing Works:
Risk Reduction: The government guarantee protects the private lender from major losses.
Better Terms: Lower risk allows private lenders to offer borrowers lower down payments and longer repayment terms.
Direct Application: You apply and make payments directly through the private financial institution, not the government. You can explore official program details and matching tools via the Small Business Administration
While the underwriting process requires full income documentation and requires a longer turnaround time for underwriting, the SBA guarantee can back owner-operated properties, even in rural locations, and other unique circumstances that private lenders are otherwise reluctant to consider.
Eligible Property Types: The SBA guarantee covers owner-occupied commercial properties where client’s business physically occupies at least 51% of the space.
Office Buildings: Standard commercial office spaces, medical practices, law firms, and corporate headquarters.
Industrial & Warehouses: Manufacturing plants, distribution centers, storage facilities, and heavy industrial spaces.
Retail & Restaurants: Standalone storefronts, strip mall units, dining establishments, and franchise locations.
Special-Purpose Real Estate: Hotels, motels, car washes, gas stations, auto repair shops, and assisted living facilities.
Mixed-Use Buildings: Properties with commercial and residential units, provided the business occupies 51%+ of the total square footage.
Contact us now by filling out the inquiry form for your unique scenarios, and let's discuss funding options that can align with your goals!
General Inquiries: 786-440-8189
Email: [email protected]
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