Proof, Not Promises
We've Funded Commercial Real Estate Across Every Industry
$750K SBA 504 to buy the building they’d been leasing 8 years. 10% down ($75K) instead of 25% at a bank ($187K). Monthly payment is $400 LESS than rent. Building equity instead of paying a landlord.
Result: $750K funded → $112K saved on down → $400/month less than rent
$1.2M SBA 504 to buy the building their dental practice operates in. 10% down instead of 30%. Fixed rate, 25-year term. Monthly cost dropped $1,800 vs their lease.
Result: $1.2M funded → 10% down → $1,800/month savings vs lease
$500K conventional CRE loan to buy the shop they’d been renting. Building appraised at $620K. 20% down, 15-year term. $3,400/month vs $4,100/month rent. Plus $120K in instant equity.
Result: $500K funded → $700/month savings → $120K equity day one
$900K SBA 504 for a new shop and yard. GC was running equipment out of a rented lot. Purpose-built facility with covered storage, office space, and equipment bays. 10% down.
Result: $900K funded → purpose-built facility → 10% down
$1.5M conventional loan for a 15,000 sq ft warehouse. Distributor outgrew their leased space. Own the building, expand storage 3x, sublease extra space for $3K/month.
Result: $1.5M funded → 3x storage → $3K/month sublease income
$800K SBA 504 for a ground-floor retail space in a premium location. Buying instead of leasing locked in costs for 25 years. Neighborhood property values increased 30% in 3 years — the building became an investment.
Result: $800K funded → locked costs → 30% property appreciation
Paid $4,100/month in rent for 8 years. That's $393,600 gone — zero equity. SBA 504 got us into our own building for $400 less per month. Every dollar now goes to equity we own.
Tom K.
Manufacturing Plant Owner | Cleveland, OH
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Full Transparency
The Real Cost of Commercial Real Estate Financing — No Surprises
Based on $750K commercial real estate loan. SBA 504 has the lowest down payment AND lowest monthly payment. Conventional has the lowest total interest but requires 2-3x more down.
SBA 504 has the lowest down payment AND lowest monthly. The tradeoff is time (60-90 days) and documentation. If you're planning ahead, it saves six figures over the life of the loan.
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Honest Comparison: SBA 504 vs Conventional vs Bridge Loan
Bobby's take:
If you're paying rent on a space you've been in for 3+ years, you're making someone else rich. Run the numbers — the monthly payment on buying is often LESS than your lease, and every dollar goes to equity you own. SBA 504 with 10% down is the best financing in commercial real estate. If you can plan 60-90 days ahead, it saves six figures compared to conventional.
— Bobby Friel, Basecamp Funding - Founder
Our commercial team structures CRE transactions from $1M to $10M+ using SBA 504, conventional, and capital stacking across multiple lenders.
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Every Objection Answered
I can’t afford 20-25% down
SBA 504 requires only 10% down. On a $750K building, that’s $75K instead of $150K-$188K. The SBA and a Certified Development Company (CDC) cover the other 90%. If you have $75K available and 2+ years in business, you’re likely eligible.
What if property values drop?
Commercial property is a long-term asset. Short-term fluctuations don’t affect your mortgage payment — it’s fixed. And unlike rent, which increases every lease renewal, your payment stays the same for 15-25 years. In 10 years, you’ll be paying the same amount while comparable rent has increased 30-40%.
SBA takes too long
SBA 504 takes 60-90 days. If you’re buying at auction or under a tight deadline, use a bridge loan to close fast (2-4 weeks), then refinance into SBA for the lower rate and longer term. We set up bridge-to-permanent financing regularly.
My credit isn’t strong enough for a mortgage
SBA 504 prefers 650+ credit, but we’ve gotten approvals at 620 with strong revenue and business history. Conventional CRE loans have more flexible credit requirements if you have 25% down. If your credit is below 620, we’ll recommend a 6-month plan to improve it while exploring other options.
Is it better to keep leasing?
Do the math. If your rent is $5K/month and a mortgage would be $4,500/month, you save $500/month AND build equity. In 10 years, you’ve saved $60K in payments and own an asset worth $750K+. Leasing only makes sense if you need location flexibility or plan to move within 3-5 years.
How long does commercial RE financing take?
SBA 504: 60-90 days. SBA 7(a): 45-60 days. Conventional: 30-60 days. Bridge loans: 2-4 weeks. Having financials, tax returns, and property details ready speeds everything up. We start the process while you’re negotiating — so the funding is ready when you need it.
Simple Process
How Commercial Real Estate Financing Works
Tell us the property type, purchase price, and your timeline
60-second pre-qualification — no documents yet
Specialist matches you with CRE and SBA lenders
Submit documentation package (we guide you through it)
Appraisal, approval, closing, and funding
Right Fit?
Who CRE Loans Are For — and Who They're Not For
Great Fit
Not the Right Product
Not sure which product fits? Try the qualification estimator — it recommends the right product based on your situation.
Full Transparency
What Kills Your Commercial Real Estate Application
You Likely Qualify If
Red Flags That Cause Denials
Industries
Industries We Fund Commercial Real Estate For
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Stop Paying Rent — Find Out What You Qualify For
Every month you pay rent is a month of equity lost. Pre-qualify for commercial real estate financing in 60 seconds — no credit impact, no obligation.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
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FAQs
Commercial Real Estate Financing FAQs
Commercial Real Estate Loans — $250K to $10M+, SBA 504, Conventional, Bridge
Every month you write a rent check, you're building someone else's equity. SBA 504 lets you buy your building with 10% down and a monthly payment that's often less than rent. On a $750K property, that's $75K down and $4,279/month — compared to $5,000-$6,000/month in rent for the same space. Run the numbers on our commercial funding calculator and see what buying vs renting actually costs over 10 years.
We fund commercial real estate for every industry: manufacturing plants buying their facilities, dental practices purchasing their buildings, auto repair shops owning their bays, construction companies building purpose-built yards, and wholesalers expanding into larger warehouses. One 60-second application, no hard credit pull, and a specialist guides you through the SBA or conventional process. $250K to $10M+.
Commercial property requires insurance — lenders won't close without it. If you need commercial property insurance, liability coverage, or builder's risk for renovations, our sister company InsuranceService365.com provides business insurance across 29 states.
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