Guides
Buying the building your business operates from, by property type and by rule
Quick answer
As of November 2026, some SBA 7(a) lenders finance up to 100% of a building an established business will occupy, on terms up to 25 years. Your business must use at least 51% of an existing building. Property type changes the file: environmental work for shops, licensing space for daycares, used land for yards. Axiant Partners, a broker in Boca Raton, matches owners with these lenders.
The SBA sets the rules, but each lender decides whether to go to 100%. These guides cover what changes by property type and the rules every buyer runs into. Start with 100% SBA financing, or compare SBA 7(a) and 504.
SBA loans for assisted living and memory care: the licensing test for eligibility, 100% for operators buying their building, 10% on acquisitions, and examples.
Read moreBuy your auto repair shop's building with an SBA 7(a) loan: the required Phase I, in-ground lifts, zoning, and a $1.15M worked example with no money down.
Read moreThe SBA 51% occupancy rule: how rentable property is measured, the 60% rule for new construction, holding company (EPC/OC) structures, and worked calculations.
Read moreSBA loans for a contractor yard or business land: what counts as used land, the excess land rule, yard space in the occupancy test, and a worked example.
Read moreBuy a daycare building with an SBA loan: how 35 and 75 square feet per child set capacity, lead testing for pre-1978 buildings, zoning, and a worked example.
Read moreAdd renovation or tenant improvements to an SBA building purchase: what's eligible, the one-third and $350,000 thresholds, terms, and a $2.25M worked example.
Read moreTell us the building, the price and how much of it you'll use. Talk to an SBA specialist at (561) 268-0465.