Flexible Financing for Investment and Income-Producing Properties
At EZ Funding Group, Inc., we provide smart, customized commercial loan solutions for real estate investors, business owners, and developers. Whether you're purchasing a shopping center, refinancing an office building, or funding a mixed-use project, our experienced team offers direct access to competitive financing—including SBA loans, conventional commercial mortgages, and non-traditional loan programs.
We fund a wide range of commercial property types:
Low-Rate Financing Backed by the U.S. Small Business Administration
If you're a small business owner looking to purchase or refinance commercial property, SBA loans are one of the most accessible and affordable options available. EZ Funding Group helps you navigate and secure SBA 7(a) and SBA 504 loans—ideal for owner-occupied commercial buildings, business expansion, and equipment financing.
💡 Great for medical practices, manufacturers, retail businesses, and growing service-based companies.
We bring decades of experience in commercial and SBA lending, helping clients across the U.S. close complex transactions with speed and confidence.
✅ Access to SBA & Non-SBA Commercial Programs
✅ Nationwide Lending Solutions
✅ Transparent Process, No Surprises
✅ Dedicated Commercial Loan Experts
Whether you’re launching a new location or acquiring a large investment property, EZ Funding Group is ready to fund your vision with tailored solutions.
📞 Call us today for a commercial loan consultation
This table helps prospective borrowers quickly understand the key differences between SBA loans and traditional commercial financing. It builds trust, aids decision-making, and helps with semantic SEO.
| Feature | SBA 7(a)/504 Loan | Conventional Commercial Loan |
|---|---|---|
| Loan Purpose | Owner-occupied real estate, equipment, working capital | Investment, owner-occupied, refinance, construction |
| Loan Amounts | Up to $5M (7a) / Up to $15M+ (504) | $500K to $50M+ |
| Down Payment | As low as 10% | Typically 20%–35% |
| Loan Term | Up to 25 years (real estate) | 5, 7, 10, or 30 years |
| Interest Rates | Competitive fixed/variable, SBA-regulated | Market-based (may be fixed or variable) |
| Eligibility | Must be a U.S.-based for-profit small business | Flexible—based on credit, property, and income |
| Credit Score Requirement | 650+ (typically) | 660+ (flexible for asset-based deals) |
| Collateral Required | Often required but may be partially waived | Typically required |
| Loan Timing | 30–60 days (longer processing time) | 15–45 days (depending on lender and documentation) |
| Use of Funds | Broad (includes business operations) | Primarily real estate-focused |
✅ SBA loans are ideal for small business owners seeking affordable, long-term financing.
✅ Conventional loans offer speed and flexibility, ideal for seasoned investors and developers.
✅ Commercial Loan & SBA FAQ Section
❓ Frequently Asked Questions About Commercial & SBA Loans
Q: What is the difference between SBA 504 and SBA 7(a) loans?
A: The SBA 504 loan is designed primarily for real estate and heavy equipment purchases, while the 7(a) loan is more flexible and can be used for working capital, business acquisition, or commercial property.
Q: Can I apply for an SBA loan as a startup?
A: Yes—if you have a solid business plan and meet other SBA qualifications, startups can be eligible for SBA 7(a) loans.
Q: Do I need to personally guarantee an SBA loan?
A: Yes. SBA loans typically require a personal guarantee from anyone who owns 20% or more of the business.
Q: How long does it take to close a commercial real estate loan?
A: Conventional commercial loans may close in 30–45 days, while SBA loans can take 30–60 days due to additional documentation and government processing.
Q: Can I use a commercial loan to refinance an existing property?
A: Absolutely. Both SBA and conventional commercial loans can be used for rate and term refinancing or cash-out refinancing on qualifying properties.