USIG.ai
Pre-Qualify
SBA 504 · Owner-Occupied Commercial Real Estate

Stop paying rent.
Own your building with as little as 10% down.

Long-term, fixed-rate SBA 504 financing up to $20 million for business owners buying or refinancing the property they operate from. Guided in English and Vietnamese, from pre-qualification to closing.

Start My Pre-Qualification See Program Terms

Backed by a national SBA 504 lending platform with $5B+ in closed transactions.

How your purchase is financed

A typical SBA 504 structure on an owner-occupied property:

50%First mortgage · fixed rate · 25-yr amortization
40%SBA 504 portion · 25-yr fixed rate
10%Your down payment

Special-use properties (hotels, restaurants) typically require 15% down. Structures vary by project.

Program at a glance

Institutional-grade terms designed for small business owners — without giving up fixed-rate certainty.

$20M
Total project size, up to
90%
Maximum loan-to-value (85% for special-use properties)
25 yrs
Fixed rate on the SBA portion, fully amortizing
1.20x
Minimum debt service coverage (1.25x for hotels & franchised restaurants)
680+
Minimum FICO score for guarantors
2
Eligible uses: property acquisition or refinancing existing company debt

Property types we finance

Your business must occupy the property. If your building type isn't listed, ask us — we'll confirm eligibility.

Industrial & Warehouse Retail Self-Storage Medical & Dental Office Manufacturing Facilities Franchised Restaurants Franchised Hotels

From application to keys — in three steps

STEP 1

Pre-qualify in minutes

Complete the short form below. We review your goals, property type, and financial snapshot — in your preferred language.

STEP 2

Receive your Letter of Intent

We package your documents and secure a written loan proposal with rate, structure, and terms — so you can negotiate with confidence.

STEP 3

Underwriting to closing

We coordinate appraisal, SBA processing, and closing. You focus on running your business; we manage the loan.

Pre-qualification application

No obligation. No impact to your credit at this stage. A USIG advisor will respond within one business day.

By submitting, you agree to be contacted by USIG by phone, text, or email regarding your inquiry. Your information is kept confidential and never sold.

Application received

Thank you. A USIG advisor will contact you within one business day to review your options.

What to prepare for a full Letter of Intent

  • 3 years of business tax returns or financial statements
  • Year-to-date P&L and balance sheet (within 90 days)
  • Business debt schedule
  • Current rent roll (if applicable)
  • Personal financial statement for each 20%+ owner
  • 3 years of personal tax returns per guarantor
  • Resume or bio for each guarantor
  • If refinancing: current loan balance, prepayment terms, and purpose of any cash-out
  • If renovating: description and budget of planned improvements