SBA 504 commercial real estate loans Florida business owners use are built for long-term stability. These loans are ideal for purchasing or refinancing owner-occupied commercial property. They offer fixed rates, long amortization terms, and higher leverage than many traditional commercial loans.

At North Star Mortgage Network, we help Florida business owners structure SBA 504 commercial real estate loans that support growth without unnecessary risk. Our focus is simple. Clear terms. Predictable payments. Long-term success.

What Are SBA 504 Commercial Real Estate Loans Florida Businesses Use?

SBA 504 loans are designed for businesses that occupy their own commercial property. These loans help owners buy, refinance, or improve real estate while keeping cash flow strong.

SBA 504 commercial real estate loans Florida borrowers choose are known for stability. They are commonly used by medical practices, professional offices, warehouses, retail owners, and service-based businesses.

Learn more directly from the
https://www.sba.gov/funding-programs/loans/504-loans

SBA 504 Commercial Real Estate Loans Florida Loan Terms

SBA 504 commercial real estate loans Florida programs offer long-term financing with predictable payments.

Typical features include:

  • Loan amounts up to $23.5 million
  • 30-year full amortization options
  • Fixed or blended fixed interest rates
  • Loan-to-value up to 90% for eligible owner-occupied properties
  • Minimum credit scores starting around 600 in many cases

These loans do not require an existing banking relationship, which gives business owners more flexibility.

Owner-Occupied Property Requirements

SBA 504 commercial real estate loans Florida financing is intended for owner-occupied properties.

Owner-occupied generally means the business uses a significant portion of the building. This structure allows for higher leverage and better long-term terms than many investor loans.

Investor-only properties usually require different commercial loan programs.

Property Types Commonly Financed

SBA 504 commercial real estate loans Florida business owners use can apply to many property types, including:

  • Office buildings
  • Medical and professional facilities
  • Warehouses and industrial buildings
  • Retail and mixed-use properties
  • Self-storage facilities
  • Hotels and specialty commercial properties

Some property types are restricted. Raw land and single-family homes do not qualify.

Eligibility guidelines can be reviewed at
https://www.sba.gov/business-guide/launch-your-business/choose-business-structure

Documentation and Cash Flow Options

SBA 504 commercial real estate loans Florida borrowers use allow for flexibility in documentation.

Depending on the transaction, options may include:

  • Full documentation with tax returns
  • Projection-based cash flow for newer businesses
  • Limited documentation structures
  • Bank statement analysis
  • Foreign national eligibility in certain cases

Each loan is reviewed carefully to match the borrower’s real situation.

Refinance and Cash-Out Opportunities

Many owners use SBA 504 commercial real estate loans Florida programs to refinance existing commercial debt.

Refinancing may help:

  • Lock in long-term fixed rates
  • Reduce monthly payments
  • Improve cash flow
  • Access capital for improvements or expansion

Every refinance is reviewed to confirm it truly benefits the business.

Information Needed to Get Started

To review SBA 504 commercial real estate loans Florida options, we typically need:

  • Property address and estimated value
  • Purchase price or current loan balance
  • Owner-occupied percentage
  • Business use of the property
  • Credit profile of the owners
  • Existing or projected cash flow

Clear information upfront helps avoid delays later.

Why Work With North Star Mortgage Network

At North Star Mortgage Network, we guide business owners through complex decisions with clarity and experience. We are not tied to one lender. That means better options and better structure.

We focus on long-term outcomes, not short-term wins.

Florida Commercial Lending Expertise

We work with business owners across Florida, including:

  • Jacksonville
  • St. Johns County
  • Duval County
  • Clay County
  • Nassau County
  • Orlando
  • Tampa
  • South Florida

Local knowledge matters in commercial real estate.

Get Started Today

If you are considering SBA 504 commercial real estate loans that Florida business owners rely on, speak directly with an expert.

Call or text Nathan Young at 904-613-7700
North Star Mortgage Network

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