Financing to Buy Commercial Real Estate:

Own Your Commercial Property Where Your Business Operates with Zero Down
Move Beyond Renting. Build Equity with 100% Financing.

Rising rents and restrictive leases shouldn’t limit your business’s growth. With our specialized SBA loan programs, you can acquire the building your business occupies without a significant upfront investment, securing long-term stability and control over your commercial space.

Your Path to Ownership: The No Down Payment SBA Loan

We specialize in helping established businesses like yours secure 100% Loan-to-Value (LTV) financing for commercial real estate. Our 25-year loan program, backed by the Small Business Administration (SBA), is designed to help you transition from a renter to a property owner, preserving your capital for what matters most: growing your business.

Benefits Include:

No Down Payment: Keep your cash liquid. Acquire your commercial property without tying up a significant portion of your capital in a down payment, allowing you to invest in inventory, equipment, or marketing.
Build Your Wealth: Every mortgage payment contributes to building long-term equity, a tangible asset that strengthens your business’s financial foundation.
Total Control: Customize your workspace to perfectly fit your needs. No more landlords, no more restrictive rules. Design your building for optimal productivity and efficiency.
Potential Tax Advantages: As a property owner, you may be eligible for significant tax benefits, including deductions on mortgage interest, property taxes, and depreciation. Consult with your tax advisor to learn more.
Generate Additional Income: If your business occupies at least 51% of the property, you can lease out the remaining space to other tenants, creating a new stream of passive rental income.

Who Qualifies?

Occupy at least 51% of the property.
Demonstrate strong business and personal credit.

Have a stable cash flow for at least 1-1.5 years.
Maintain a Debt Service Coverage Ratio (DSCR) of 1.15x to 1.25x or greater.

Be an established business, not a startup.
Seek to purchase a general-use or multi-use property.

Don’t let another year of rent payments go by. Take the first step toward ownership and financial freedom for your business.

BizAqs has funded over $300 million in SBA loans for entrepreneurs and small business owners. We specialize in creative financing structures that traditional banks often turn away. Our approach is designed for agents who:

- Don’t have large amounts of collateral
- Want flexible terms and faster approvals
- Need guidance through underwriting and SBA paperwork