6 Benefits of SBA Loans for Commercial Real Estate

There is much talk of rising interest rates for commercial real estate loans. Small business owners who are interested in buying land or a building should know that SBA 504 Loans have multiple benefits over traditional loans - including substantially lower interest rates.

In addition, funds from SBA 504 Loans can be used not only for land and building purchases, but also for existing building and lot improvements, new construction, long-term equipment purchases and more.
Quick 6 Facts You Should Know for Commercial Real Estate Loans:

Low down payments - Only 10% down for buildings or land
Low interest rates – below market (as of July 17, 2013 – 5.232%)
Long-Term Fixed interest rates for as long as 20 years
20-year fully amortizing terms – no balloon
SBA 504 loans provide multiple benefits over traditional loans and helps your cash flow thereby increasing your likelihood of loan approval.
Conventional loan products can require up to a 30% down payment which limits the owner's options.

Work with a MN SBA Loan Provider
In order to utilize SBA 504 loans for commercial real estate, you'll need to work with an SBA Certified Development Company along with your bank. There are several in the state, but we recommend the SBA 504 Loan provider, CMDC, in Andover, MN. They have a proven and proficient SBA loan process that allows our clients to close loans quickly and efficiently.

CMDC, a MN SBA 504 Loan Provider offers:

Pre-Qualification within 24 hours with CMDC's Preferred Lender status
Early determination of how much financing can be available
Creative gap financing solutions

>> Learn more about CMDC
>> See all the Benefits of SBA 504 Loans

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Marty Fisher is Commercial Real Estate Broker in Ramsey, MN since 2001.

Posted: August 2013

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"We had two office properties, one for lease and one for sale. Marty worked quickly to get renters into the building through marketing and site visits and had the property leased with little effort on our part. Our sale property was more complex with multiple challenges, including environmental issues, vapor testing, working with subcontractors, and a difficult buyer. He is able to deal with complicated properties and knows how to get to the end game for everyone involved. Premier offered a network of quality professionals that we utilized, and Marty helped us work through every phase until the property's sale was finalized. I don't think we would have gotten the deal done without the expertise and tenacity. I highly recommend Premier Commercial Properties."

- C & K Sorenson | Halstead Properties

"Throughout the entire process, from initial steps to marketing the property and negotiations to the purchase agreement and sale, Marty was always available and responded quickly to our questions and requests."

- V. Westgaard | Owner/Seller Retail Liquor Store, Big Lake, MN

"It was an extremely fast process from my initial contact with Marty, site search, property visits, review and recommendation of properties to closing on the unique East Bethel property that we purchased for our business. We had to spend a month with City planning and zoning meetings to get City approval on building plans, which Marty assisted the entire way including water run-off and septic system issues. He jumped through hoops and even gained maximum time to get a 1031 exchange which Marty also helped facilitate. He has impeccable follow-through, follow-up, and communication acumen. Everything that needed to be done, Marty knew how to do it and got it done for us. I highly recommend Marty if you're in the market to buy or sell property."

- S Torgerson | Torgersons

"I've worked with a lot of realtors and business people over the years and Marty goes way above and beyond what others have done or what was even expected! Marty was on top of everything. He is proactive and completely customer service oriented. His knowledge of commercial real estate and the ability to get all of the components done that are needed is exceptional. He took the initiative to set up meetings with the City to get approval for the building; identified and presented a variety of sites that fit my needs; did a lot of the homework that would have typically fallen on my shoulders - all the while communicating with me at all times of the day and night, weekday and weekend. He answered all of my questions with genuine care and connected me with experts that I needed."

- S. Torgerson | Torgersons

“I contacted Marty Fisher through a connection at CMDC Business Loans to sell a raw land lot that was part of an original property purchase I made for my own business in East Bethel, MN. Marty had the lot sold within 2 weeks of marketing the property! It was a unique lot totaling 3.5 acres with .5 acres buildable - It fit the buyer's needs and the timing was good. Marty was very responsive and communicated often through emails and phone calls. It was an easy process.“

- J. Crews | Tin Man Fabrication

"Marty struck us as very professional and personable without being high pressure. Unlike some other agents, he didn't pressure us to make a decision. He was very straightforward and his expertise in commercial real estate came through.”

- S. Saybolt | Biota Landscapes

"Marty went above and beyond on many occasions and really acted as a facilitator. His deep knowledge of commercial real estate transactions, development, and financing as well as his connections to a network of experts helped orchestrate the entire process including strategic financing."”

- B. Nolby | Jam Hops

"Marty did a wonderful job of negotiating a deal that worked well for both us parties in the transaction. He really listened to our needs and very clearly articulated them to the owner. We are extremely happy with our space. I would recommend Marty to others and would certainly contact him again for future needs. He is very professional, easy to work with, and has a high sense of urgency to make things happen in a time frame that works for all parties.”

- L. Wiza | The Dwelling Place

"Marty walked us through the process and explained everything upfront even potential issues to ensure we had realistic expectations. The way he spoke to us made us feel confident in his expertise and experience. He treated us with respect and true consideration - he showed true integrity and didn’t change throughout the entire process.”

- A.Climaco | Mision Cristiana Bethel Church

"Marty made exceptional recommendations that have proven invaluable. He does all of the work, keeps us informed, and communicates without coming across as sales-oriented. We see a cost savings by handling the lease through Premier Commercial Property. I highly recommend him - He genuinely looks out for both sides."

- M. Cook | Anoka West Pet Hospital

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