REAL ESTATE INVESTOR FINANCING

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    SBA

    Owner-Occupied CRE and Major Fixed-Asset Financing.

    SBA 504 financing for owner-occupied commercial real estate, major fixed assets, and large equipment — up to approximately $5.5 million. Not a general unrestricted working-capital product.

    Program Details

    Maximum
    Up to approximately $5.5 million
    FICO
    680+
    Revenue
    Approximately $8,000+/month
    Primary Uses
    Owner-occupied commercial real estate, major fixed assets, large equipment, long-term capital assets

    Maximum leverage and actual terms depend on the borrower, property, transaction, state, and applicable capital source. Core program terms are shown below; alternative financing options may be available for transactions outside these parameters.

    Who This Program Is For

    • Owner-occupied commercial real estate
    • Major fixed assets
    • Large equipment
    • Long-term capital assets

    Not General Working Capital

    SBA 504 is designed for owner-occupied commercial real estate and major fixed assets — not general unrestricted working capital. Do not present it as a flexible working-capital product; the structure and use of proceeds are tied to eligible fixed assets.

    Who This Generally Fits

    Businesses acquiring owner-occupied commercial real estate or major fixed assets, with approximately $8,000+/month in revenue and a 680+ FICO.

    Qualification Snapshot

    FICO
    680+
    Business Revenue
    Approximately $8,000+/month
    Primary Use
    Owner-occupied CRE / major fixed assets

    Published thresholds are pre-screening guidelines, not approvals. Final eligibility depends on the complete borrower profile, property, transaction, provider, and underwriting. Broader or alternative programs may be available for profiles outside these guidelines.

    Learn How This Works

    Read the educational guide for a deeper, plain-English walkthrough of the mechanics, money flow, and tradeoffs.

    Read the Guide

    Frequently Asked Questions

    Run the Numbers

    Estimate leverage, payments, or coverage before submitting your deal. Illustrative program calculation only — not an approval, offer, or financing terms.

    Open Calculator

    Investment and business-purpose transactions only. No owner-occupied consumer financing. Programs, eligibility, leverage, rates, fees, terms, timelines, and availability vary by property, location, borrower qualifications, documentation, and deal structure. All financing is subject to underwriting and final approval. Green Fire Strategies does not guarantee approval, terms, closing, or funding.

    Ready to submit a sba 504 deal?

    Submit once. We'll review the transaction and identify potential financing paths.