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CRE · Direct from Inflection Financing

Commercial Real Estate

SBA 504 and conventional financing for owner-occupied and investment CRE.

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$15,000,000
Amount
10 – 25 years
Term
6.75%
Rate
30 – 60 days
Funding
What is it
Commercial real estate financing falls into three lanes at Inflection Financing: SBA 7(a) for smaller owner-occupied transactions, SBA 504 for larger owner-occupied real estate with low down payment, and conventional CRE for investment property or non-SBA-eligible transactions. We originate all three in-house.

An SBA 504 loan typically funds 50% via Inflection Financing (the first mortgage), 40% via a Certified Development Company (the second), and 10% from the borrower — giving owner-occupants 90% financing on a 25-year fixed-rate basis. Conventional CRE pricing ranges from 6.75% to 9.5% depending on asset class, LTV, and DSCR, with terms typically structured as 10-year notes on a 25-year amortization schedule.

Best For
  • →Owner-occupied building purchase
  • →Multi-tenant investment property
  • →Construction and ground-up development
  • →Refinance from short-term or balloon debt
Common Uses
  • →Building acquisition (owner-occupied or investment)
  • →Construction and substantial renovation
  • →Refinance of maturing CRE debt
  • →Cash-out refinance for capital deployment
Eligibility
  • →20% to 30% down payment (10% on SBA 504)
  • →DSCR 1.25x or higher
  • →Personal credit 680+
  • →Stabilized occupancy for investment property
Why Inflection Financing
  • →SBA 504 — 10% down, fixed 25-year
  • →Conventional — up to 75% LTV, 10/25 hybrid amortization
  • →Construction-to-permanent in a single close
  • →Direct lender for the conventional piece — faster than typical SBA 504 timelines
CRE by Industry

Industries we finance with CRE.

Healthcare Practices
$250,000 to $5,000,000
Manufacturers
$250,000 to $10,000,000
Hotels & Hospitality
$500,000 to $15,000,000
Transportation Firms
$100,000 to $5,000,000
Agriculture & Agribusiness
$100,000 to $5,000,000
Franchisees & Franchisors
$150,000 to $5,000,000

Commercial Real Estate — Frequently Asked

What's the difference between SBA 7(a) and SBA 504 for real estate?+

Both can fund owner-occupied real estate. SBA 504 is purpose-built for it: lower down payment (10%), longer fixed-rate period (25 years), and structured across two mortgages. 7(a) is more flexible — it can also fund working capital, equipment, or business acquisition alongside the real estate — but typically requires more equity.

Can I finance investment property with an SBA loan?+

No. SBA loans require owner-occupancy (the business must occupy at least 51% of the building for purchase, 60% for new construction). Investment property must be financed conventionally — which Inflection Financing also offers.

Do you offer construction-to-permanent financing?+

Yes. We close construction-to-permanent CRE loans in a single transaction, which avoids the rate and approval risk of a second close once the building stabilizes.

Other capital facilities
SBA 7(a) Loans
The flagship SBA program for established U.S. businesses — up to $5M.
Bridge Loans
Same-day capital for time-sensitive opportunities. Funding in as little as 12 hours.
Term Loans
Strategic capital that scales with your P&L — not your daily sales volume.
Working Capital
Revolving and short-term capital for inventory, payroll, and operational rhythm.
Equipment Financing
Asset-backed financing for machinery, vehicles, and capital equipment — up to 100% LTV.

Ready for CRE capital?

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