SBA Loans for Real Estate Purchase and Buildout

For small business owners in Maryland, Washington, D.C., and Northern Virginia, owning your commercial property can be a major step toward financial stability and long-term growth. Yet, traditional commercial loans often require high down payments and strict terms that can limit your ability to expand.

Fortunately, Small Business Administration (SBA) loans provide an affordable and flexible solution—allowing you to purchase, build, or renovate your own commercial space while conserving working capital.

At Green Capital Financing, we specialize in SBA commercial real estate financing throughout the Mid-Atlantic region, helping business owners secure the funding they need to grow confidently.

1. What Are SBA Loans?

The U.S. Small Business Administration (SBA) works with lenders to make business real estate ownership more accessible. Because the SBA guarantees a portion of each loan, lenders can offer lower down payments, longer repayment terms, and favorable interest rates.

Two main SBA loan programs are ideal for real estate and buildout projects:

• SBA 504 Loan Program – Designed for property acquisition, construction, and expansion.

• SBA 7(a) Loan Program – Offers flexibility for real estate purchases, renovations, and working capital.

2. SBA 504 Loans: The Best Choice for Real Estate and Construction

The SBA 504 loan is perfect for business owners who want to purchase or improve an owner-occupied commercial property in Maryland, D.C., or Virginia. It combines financing from a conventional lender and a Certified Development Company (CDC), minimizing your capital investment.

Loan Structure:

• 50% – Conventional lender (GreenFinancing.com)

• 40% – Certified Development Company (CDC)

• 10% – Borrower contribution

Common Uses:

• Buying commercial real estate

• Constructing new facilities

• Expanding or renovating existing properties

• Purchasing major equipment

Key Advantages:

• Down payments as low as 10%

• Long-term, fixed-rate financing (up to 25 years)

• Below-market SBA-backed interest rates

For many business owners, the SBA 504 loan is the most cost-effective way to own a commercial property and build long-term equity.

3. SBA 7(a) Loans: Flexible Financing for Real Estate and Buildouts

The SBA 7(a) loan offers more flexibility, making it an excellent choice for businesses needing to purchase property and finance renovations, tenant improvements, or construction buildouts.

Program Highlights:

• Loan amounts up to $5 million

• Terms up to 25 years for real estate

• Financing available for working capital, equipment, or construction

• Both fixed and variable interest rate options

This program is especially useful for growing businesses that need comprehensive funding for both property and operational needs.

4. SBA Loan Eligibility in Maryland, DC & Virginia

To qualify for an SBA loan, your business must:

• Operate for profit within the U.S.

• Meet SBA “small business” size standards

• Occupy at least 51% of the financed property

• Demonstrate repayment ability and financial stability

• Have reasonable owner equity and good credit

Our lending specialists guide you through every step—from eligibility review to final closing—to ensure a smooth, efficient process.

5. Why Choose Green Capital Financing for Your SBA Loan

As a regional SBA loan specialist serving Maryland, Washington, D.C., and Northern Virginia, Green Capital helps business owners secure commercial property financing that aligns with both immediate goals and long-term strategy.

We offer:

• Low down payments and extended terms

• Expert assistance through the SBA approval process

• Local market knowledge and lender relationships

• Financing for purchase, renovation, or ground-up construction

Whether you’re purchasing an office building in Rockville, building out a retail space in Arlington, or expanding a facility in Silver Spring, we’ll help you structure the right SBA loan to support your business growth.

6. How to Get Started

Getting prequalified for an SBA loan is simple. Green Capital’s team of experts will assess your business goals, financials, and property plans to match you with the most suitable SBA program.

Typical Timeline:

• Prequalification: 1–2 weeks

• Underwriting & approval: 3–6 weeks

• Closing: 45–90 days (depending on project complexity)

Our goal is to make the SBA lending process fast, transparent, and stress-free—so you can focus on running your business while we handle the financing.

Final Thoughts

For entrepreneurs and small business owners across Maryland, Washington, D.C., and Northern Virginia, SBA financing remains one of the smartest strategies to purchase or improve commercial real estate. With flexible terms, low down payments, and competitive rates, it’s a financing solution designed for growth.

At Green Capital Financing, we make SBA lending simple and strategic. Our advisors specialize in commercial property loans, SBA 504 and 7(a) programs, and customized financing for buildouts and expansions.

📞 Call us today at 301-946-9600 to schedule your free SBA loan consultation and explore how we can help finance your next real estate project.