Loan Usage
Commercial Real Estate Financing with SBA Loans
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Small businesses struggle to buy real estate as costs keep climbing
Small businesses trying to buy commercial real estate often face steep financial hurdles. One of the biggest challenges is high interest rates, which can make securing affordable loans difficult. When loan costs are high, the monthly payments can stretch a small business’s budget to its limits, making it tough to justify the investment. For smaller businesses, especially those just starting out, this can feel like an overwhelming barrier to owning property.
Then there’s the added complication of shrinking property values in sectors like office and retail space. Vacancy rates are soaring, with offices hitting near-record highs, meaning that small business owners risk buying into a market that’s not as stable as it once was. It’s a bit like buying a car when you know it might lose value the minute you drive it off the lot.
Insurance costs are also spiking, driven by natural disasters and higher construction costs. In some areas, premiums went up as much as 17%. Add that to the mix, and buying a property for your business can feel more like an obstacle course than an investment opportunity.
Owning property can stabilize your business expenses and build financial equity
For small businesses facing challenges securing commercial real estate financing the SBA loan program can be a life saver. SBA 504 and 7a loans are specifically designed to make real estate more affordable by providing low-interest, long-term financing. This can help ease the burden of high monthly payments, allowing small businesses to focus on growth instead of scrambling to meet steep financial obligations.
The SBA 504 loan is a great option for businesses looking to purchase fixed assets, like commercial real estate, at affordable rates. With a 10% down payment and the option for up to 25-year repayment terms, this program helps spread out costs, making property ownership more achievable for small businesses. On the other hand, the SBA 7a loan provides flexibility, covering not only real estate but also other business expenses like renovations or working capital—perfect for businesses still finding their footing.
First Bank of the Lake is a recognized leader in SBA lending, with a strong track record of helping small businesses succeed. With over $1.1 billion in SBA loans funded, they understand the complexities of the commercial real estate market and provide hands-on, personalized support to guide businesses through the financing process.
Real business owners. Real results.
Woof Gang Bakery SBA Loan Case Study
After years in HR, Kasia followed her passion for animals and, with a $345K SBA loan from First Bank of the Lake, quickly launched her Woof Gang Bakery & Grooming franchise — already nearing breakeven just months in.
Tint World SBA Loan Case Study
After losing his wife, a friend, and his life savings, Dan Billings reinvented his life with a Tint World franchise — and with guidance and an SBA loan from First Bank of the Lake, his business is thriving and he’s already eyeing a second location.
Lifetime Green Coatings SBA Loan Case Study
Father and son duo Barry and Parker Norfleet launched six Lifetime Green Coatings franchises with a $400K SBA loan from First Bank of the Lake — quickly setting up operations and nearly breaking even within just three months.
What Our Customers Say
Gave Me the Confidence I Needed
Huge thanks to Tammy and Brandi. Tammy was my first point of contact and gave me the confidence I needed since there isn't a local branch near where I live. Brandi has been answering ALL my questions since and has excellent follow up and has taken great care of me.
— Michele Houston
Genuinely Interested in Helping My Business Succeed
First Bank of the Lake was a tremendous help in securing a 504 small business loan for my company. Every staff member I interacted with was professional, friendly, and genuinely interested in helping my business succeed.
— Don Kamb
Exceptional Service
I cannot say enough positive things about my experience working with Eric as my SBA loan officer. From start to finish, he provided exceptional service and went above and beyond to ensure that every issue we encountered was resolved quickly and efficiently.
— Bryan Crowe