Commercial Bank/SBA/USDA

Commercial Agency/Private Bank, SBA and USDA Loans

If you are looking for a commercial Bank/ Agency loan Money Source of America has the right option for you. We provide financing for owner occupied and non owner occupied properties. We have over 100 years in the banking financing industry so we can use our long standing relationships to benefit you. Buying or refinancing a commercial property can be a bit tricky or confusing if you’re new to the industry but that doesn’t mean you should shy away from the task. We have the resources to help get you approved and guide you through the buying process as well.

We can also assist with the Small Business Administration 504 loan program which was created to assist small businesses attain commercial property. Many small business owners aren’t sure how to qualify for this type of loan but we can help you determine if this the right option for you. The SBA reduces risk for lenders, while helping business owners gain access to the funds needed to get their businesses off the ground.

USDA loans can be used to purchase property that is owner occupied and non owner occupied as long as they fall in a specific property type and area. Many properties that qualify for USDA loans are located in rural areas. We can assist in funding up to 90% at a competitive rate and usually does not require a down payment. If you think you might want to purchase away from the big city area, in Florida or New York, we can assist you with a USDA loan, reach out and discuss your options today.

Commercial Agency Freddie Mac SBL

  • Property Types Multi-family 5+ units
  • Rates start 3.0% Top Markets
  • Purchase Rate / Term LTV up to 80%
  • Cash Out up to 75% LTV
  • Min DSCR 1.20 %
  • Non Recourse  with standard carve outs
  • Terms 5,7,10, 10 year fixed
  • 20 year hybrid ARM available
  • Amortized up to 30 years
  • Interest only Option available



Loan Size $2,000,000 - $20,000,000 Fixed Rates High 3.00%s to low 4.00%s Prepayment The greater of yield maintenance, or 1% Loan purpose Acquisition, refinance, recapitalization Property Types Multifamily, industrial, office, retail, self-storage, manufactured housing Markets Select markets nationwide Primarily major markets Term 5, 7 and 10 years Amortization Maximum 30 years (Partial IO considered on a case-by-case basis) Maximum LTV 75% Minimum DSCR MULTIFAMILY: 1.25 COMMERCIAL: 1.30 Minimum Debt Yield MULTIFAMILY: 7.5 COMMERCIAL: 9.0 COVID-19 Reserve May be required on a case-by-case basis Origination Fee Par, YSP available Deposit Minimum $22,500 Inclusive of all lender costs (third-party reports, lender legal, processing/ underwriting, etc.) Borrower Single purpose entity required Recourse Non-recourse with standard carve-outs Reserves TI/LC, CapEX and interest reserve may be required Cash Management Springing or in-place

Commercial SBA and USDA Loan Parameters

  • Financing for Owner Occupied and Owner Occupied Business
  • Loan Program 7(a)
  • Loan Sizes 250,00 to 10,000,000
  • Loan to Value up to 90%
  • Rates as low as 4.25%
  • Terms & Amortization up to 25 years
  • Minimum credit score 620 no Federal or government tax liens ,  no defaulted student loan debts
  • No Balloon Payments
  • Property Types 51% owner occupied
  • Office Buildings,Medical Buildings,Mixed Use, Retail, Industrial,Warehouse,Special Use, SFR Conversion(Commercial Use Only),Multifamily etc.
  • Use of funds  Purchase,Refinance,Equipment,Business Acquisition ,New Construction,working capital

Loan program SBA 504

  • Loan Sizes 1,000,000 to 20,000,000
  • Rates as low as 4.25%
  • Loan to value Up to 90%
  • Terms and Amortization up to 30 years
  • Minimum credit score 620 No Federal or Government tax liens, no defaulted student loan debts
  • Property Types 51% owner occupied
  • All property types eligible for SBA financing considered
  • Use of funds purchase, refinance, New Construction

USDA Program

  • Loan Sizes 500,000 to 10,000,000
  • Rates as low as 4.5%
  • Loan to value Up to 90%
  • Terms and Amortization up to 30 years
  • No Balloon Payments
  • Property Types. Owner Occupied and Non Owner Occupied
  • All property types considered
  • Eligible Property must be in the determined USDA property map.
  • Financing Stabilized Investment Real Estate for Real Estate Investors

Commercial Bank Loans

  • Balance Sheet Bank Loans
  • Purchases and Refinances
  • Small to Large Balance Loans
  • Loan Sizes  250,00 to 10 million
  • Loan to value. up to 75%
  • Rates: rates are based on market prices set by four different indices W.S.J for the 3 month (Floating rate) 3-year Libor- Swap for 3 year fixed, 5 -year,7 -year and ten year- Libor Swap for the 5 ,7,10 year term.
  • Terms 3,5,7,10
  • Amortization: 20 to 25 years
  • Prepayments Penalties depending on the initial term step down prepayment penalties
  • ( prepayment penalty can be significantly reduced on a Special Bid Basis for higher quality property,tenants and Guarantors. Remember we have direct relationships with these bankers)
  • Most owner occupied loans are Full Term Loans with no balloons or calls. 20 -25 year amortization
  • Most non owner occupied are are amortized for 20 to 25 year with a 10 to 20 year term.

Property Types

  • Owner Occupied
  • Investor Properties

Properties to include Multi use, Special purpose, Retail, Apartments/Multi family, Flagged Hotels, Restaurants, Office Buildings,Medical Buildings, Assisted Living/Nursing Care, Schools, Day Cares,Industrial, Gas Station/Convenience store.

Full documentation and Financial disclosures on all Commercial Bank loans required

Lending Areas on Commercial Bank/SBA/USDA Loans Nationwide to include Florida, Georgia, South Carolina, North Carolina, Pennsylvania, New York, New Jersey, Illinois, Ohio, Colorado, Missouri, California, Arizona, Nevada, Oregon , Hawaii and in between.

Multi Use Restail SBA

Recently funded this SBA Purchase of this Mixed Use

Building in Atlanta, GA 90% LTV 4.875%

We Offer Excellent Competitive Rates and Terms

Quick Pre Qualification and a Reliable  Closing  Process

 Once  you submit your loan request and or send us your Executive summary it will reviewed by multiple Private Commercial Bankers and Traditional Banking entities on our commercial Bank committee giving you the best chance for approval and at the best terms in the industry. Once your deal is pre- approved an highly trained agent will be with you to process your request from application to funding, Now Commercial Lending gets no simpler than that.


or email us your Executive Summary Today

CONTACT US 877-243-3432



The Small Business Administration (SBA) 504 loan program was created to help small to mid-sized business owners acquire commercial property without the financial hassles. While this program is less-used and very little understood, in order to qualify, over half (51%) of the property must be occupied by the borrowers within one year of ownership. Another option is forming a holding company from two operating companies. This company can then take the title to the commercial property. To qualify for this program, U.S. citizens or permanent residents must hold a majority of the ownership of the operating companies and the holding company. The 504 Loan does not contain any restrictions or ceilings; however, there are three criteria for eligibility:

The company’s average net income cannot surpass $2.5 million.

The anticipated project size must be greater than the personal, non-retirement, unencumbered liquid assets of the guarantors/principals.

Net worth of the operating companies must be $7.5 million or less.