100% Financing For Real Estate
Dateline: June 17, 2026
If you are in the market to buy Owner Occupied Business Real Estate and would like to explore purchasing a property with Zero Down Payment, please call us today! SBA 7(a) loans are available that allow for zero down payment by an existing business that can support the new debt for an owner occupied business building acquisition. And some will also finance the renovations to go with it!
Suffice to say not all SBA Preferred Lenders want to offer this option for Business Owners buying property, but that’s what Coffman Capital is for. We identify the participating lenders and terms so that you can take advantage of this great SBA feature!
The Primary Features of this Program are:
1. Business Owners with Established Profitability Buying Business Real Estate with Zero Down Payment.
2. Debt Service Replaces Rent in most cases, so qualifying is often very straightforward.
3. Expansion locations may be eligible for zero down when supported by the current business, and renovating the new property may also be included, on a case by case basis.
4. All Lender Costs & Fees including SBA Guaranty Fee are financed as well.
5. Your lender-required cash outlay is limited to the out of pocket expenses* the lender needs to collect to close the loan, and will usually reimburse at closing, so your initial investment may actually be zero.
*Our pre-agreed consulting fee invoice follows closing with 30 day net terms as usual.
Standard 25 Year Amortization applies, with the most competitive spreads over Prime Rate. With a 10% cash injection Coffman Capital can also secure 25 year Fixed Rates for you!
Call for details about that too!
Prepayment Penalties: SBA has a 3-Year Prepayment Penalty for terms of 15 years or more that charges you based on the remaining balance as follows: 5% in Year 1, 3% in Year 2, 1% in Year 3 and none after the 36th month.
This was enacted decades ago to dissuade some felonious banks from refinancing their SBA loans after re-selling them and taking the premium. There is no prepayment penalty for SBA loan terms less than 15 years.
Conventional Real Estate Terms are also available!
Please call for details.
Non-SBA lenders vary in their requirement for cash injection but rates and terms are usually excellent. It’s our job to get you the best deal!
So if you’d like to find out how good the terms can really be for your Business Real Estate loan, you need to call us ASAP! We’re Ready to Help You!!
You can call us Direct at 813-891-1811 ext 101.
If you’d like, please complete our Loan Inquiry Form to tell us about yourself, and we’ll get right back to you!
As always, never an upfront fee to Coffman Capital, and we’ll do our best to be the most Competent, Professional and Competitive loan source for your project!
Thanks for choosing Coffman Capital for your Business Financing!