COMMERCIAL LENDING Loans from $500,000 to $30,000,000 GET STARTED TODAY

SBA 7a Loans, SBA 504 Loans, Small Balance Loans and USDA Business Loans

At KRAM Capital Group we understand that no two businesses are the same, and neither are their real estate needs. Whether you’re an entrepreneur seeking to acquire a new office space, a developer planning a major project, or an investor eyeing income-generating properties, commercial real estate loans provide the capital necessary to turn your vision into reality. That’s why we offer a diverse portfolio of commercial real estate loan solutions tailored to your specific requirements:


Property Acquisition:

Commercial mortgage loans facilitate the purchase of real estate properties, enabling businesses to secure physical locations for their operations.


These loans can also be used to refinance existing commercial mortgages, potentially reducing monthly payments and improving overall financial health.

Construction Loans:

New Developments: Construction loans fund ground-up construction projects, helping developers create residential, commercial, or mixed-use properties. Get started today!

Renovations and Improvements: Businesses can use construction loans to renovate or expand existing structures, enhancing property value and functionality. Get started today!

Bridge Loans:

Opportunistic Investments: Bridge loans offer short-term financing to seize immediate opportunities, such as property acquisitions, while awaiting long-term financing solutions. Get started today!

Transitional Properties: These loans are ideal for properties undergoing transitions, such as repositioning or stabilization before conventional financing becomes viable.

SBA 504 Loans:

Small Business Support: SBA 504 loans cater to small businesses, facilitating property acquisition or improvements by offering favorable terms, lower down payments, and longer repayment periods. Get started today!

CMBS/Conduit Loans:

CMBS loans are primarily used for financing commercial properties such as office buildings, shopping centers, hotels, and multifamily complexes. Get started today!

SBA 7a Loans:

Both startups and existing businesses can apply for a real estate loan with the SBA 7a program. Restaurants, hotels, self-storage facilities, car washes and more are eligible businesses that frequently take advantage of this type of small business loan. Get started today!

USDA B&I Loans:

A USDA business loan allows you to borrow up to $25 million, for as long as 30 years when using the funds for real estate. Qualifying expenses include leasehold improvements and purchasing land or buildings for your business. In order to apply, the project must be located in an eligible area. Check if the property is in an eligible area: Get started today!

Small Balance Loans:

Small balance loans start as low as $500,000. KRAM Capital works with you to structure financing with flexible terms that work for your needs, including refinancing out of higher-rate bridge financing or cashing out equity from an existing commercial property to use as working capital or other business purposes.

Key Benefits of Commercial Real Estate Loans:

Capital Access

Commercial real estate loans provide access to substantial capital, allowing businesses to invest in valuable properties and ventures that align with their strategic objectives.

Asset Appreciation

Owning commercial real estate can lead to property appreciation over time, potentially yielding significant financial gains.

Income Generation

Commercial properties, such as office buildings, retail spaces, and multifamily complexes, can generate rental income, providing a consistent revenue stream.

Portfolio Diversification

Investing in commercial real estate diversifies an investment portfolio, reducing risk and enhancing overall financial stability.

Qualifications and Considerations:


Typically, the borrower’s credit history and financial stability is evaluated to determine eligibility and loan terms.

Property Appraisal

A professional appraisal is essential to determine the property’s current market value, which influences loan approval and terms.

Loan-to-Value Ratio (LTV)

The LTV is calculated to assess the risk and determine the maximum loan amount based on the property’s value.

Loan Term and Interest Rates

Commercial real estate loans offer a range of terms and interest rates, often influenced by the loan type and market conditions.

Down Payment

Borrowers should be prepared to provide a down payment, which varies depending on the loan type and lender requirements.

Are you ready to scale your real estate investment business?
Get in touch with us now!