SBA Loans

SBA Loans

Contact us today to apply or learn more about SBA financing from Sacramento Credit Union.

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We can help you purchase a commercial building or business!


With an SBA 504 loan from Sacramento Credit Union, you can:

  • Borrow up to $5,000,000
  • Purchase commercial real estate to support your business
  • - Office building
  • - Retail property
  • - Hospitality
  • - Special purpose
  • - Industrial property
  • - Storage unit site
  • Owner-occupied properties are eligible
  • Repay your loan with an amortization up to 25 years

SBA 504 guidelines include:

  • Minimum down payment of 10%
  • The SBA 504 loan program consists of a 1st and 2nd deed of trust
  • Borrower must occupy 51% of the subject property
  • Minimum Debt Service Coverage Ratio (DSCR) - 1.25:1
  • Stabilized rents and supporting business cash flow
  • Satisfactory credit history

With an SBA 7a loan from Sacramento Credit Union, you can:

  • Borrow up to $5,000,000
  • Purchase commercial real estate to support your business
  • - Office building
  • - Retail property
  • - Hospitality
  • - Special purpose
  • - Industrial property
  • - Storage unit site
  • Acquire a business or start a company
  • Owner-occupied properties are eligible
  • Repay your loan with an amortization up to 25 years

SBA 7a guidelines include:

  • Minimum down payment of 10%
  • The SBA 7a loan program consists of a stand-alone 1st deed of trust
  • Borrower must occupy 51% of the subject property
  • Minimum Debt Service Coverage Ratio (DSCR) - 1.25:1
  • Stabilized rents and supporting business cash flow
  • Satisfactory credit history