The 30-second answer The 90% SBA Grocery guarantee protects the participating lender—not the grocery store borrower. It does not mean: The government pays 90% of your loan. You automatically qualify with 10% down. The loan is a grant. Approval is [...]
Purchasing commercial property is a major transaction. Several common mistakes can make financing more difficult. Signing a contract with insufficient time Commercial financing may require an appraisal, environmental review, underwriting, title work, and legal documentation. The purchase contract should include [...]
One of the first questions business owners ask when purchasing owner-occupied commercial real estate is: How much money will I need to put down? There is no single answer. The required down payment depends on the loan program, property type, [...]
When financing owner-occupied commercial property, lenders evaluate both the real estate and the operating business. Business cash flow The business must demonstrate that it can afford the proposed loan payments while continuing to cover operating expenses. Lenders frequently review the [...]
Business owners commonly use conventional commercial loans, SBA 7(a) loans, or SBA 504 loans to purchase owner-occupied real estate. Conventional commercial loans Conventional loans may work well for established businesses with strong cash flow, good credit, and sufficient equity. These [...]
Owner-occupied commercial real estate is property purchased primarily for use by the buyer’s own operating business. Examples include: A medical practice buying an office A distributor purchasing a warehouse A restaurant purchasing its location A manufacturer acquiring an industrial building [...]
Part 1: What Is Owner-Occupied Commercial Real Estate? Part 2: Financing Options for Owner-Occupied Commercial Property Part 3: How Lenders Evaluate Commercial Real Estate Loans Part 4: How Much Down Payment Is Required? Part 5: Common Commercial Real Estate Financing [...]
Big changes are coming to the SBA lending landscape. On June 1, 2025, the U.S. Small Business Administration’s new Standard Operating Procedure (SOP 50 10 8) officially goes into effect, replacing SOP 50 10 7.1. Whether you’re a small business [...]
Here at JD Capital, we’re excited to introduce boiReasy, a platform designed to help businesses prepare for Beneficial Ownership Information (BOI) reporting—whenever it becomes mandatory. While a recent court ruling has suspended the Corporate Transparency Act (CTA), there’s a chance [...]
We have helped finance quite a few business acquisitions over the years. Many clients came to us with little idea how the transaction would come to fruition and what is needed to make it happen. Are you in the same [...]
