SBA 7a Loans, SBA 504 Loans, Small Balance Loans and USDA Business Loans
KRAM Capital’s range of commercial loans gives you plenty of options to discover the best fit for your business’s needs. Explore both SBA and private loans available through our lender network.

TYPES OF COMMERCIAL LOANS FOR SMALL BUSINESSES
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.
When used for owner-occupied commercial real estate, you can borrow up to $5 million over a 25-year term. For existing buildings, you must occupy 51% of the rentable property, and at least 60% of the rentable property on new construction.
SBA 504 Loans
An SBA 504 loan is similar to a 7a loan but with a much higher loan limit for real estate financing. Borrow as much as $12.5 million for up to a 20-year term when using the funds to purchase property. You can finance both existing buildings and new construction, including funds to acquire land, remodel a building or undertake energy efficient green projects. Occupancy requirements start at the same rates as SBA 7a commercial real estate loans.
When used for owner-occupied commercial real estate, you can borrow up to $5 million over a 25-year term. For existing buildings, you must occupy 51% of the rentable property, and at least 60% of the rentable property on new construction.
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.
USDA Business 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.
Types Of Property We Finance