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Specialty Financing

SBA & USDA Loans

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SBA & USDA Loans - The Madison Group

SBA 7(a), SBA 504 & USDA Commercial Real Estate Loans

SBA and USDA loan programs provide powerful financing solutions for owner-occupied commercial real estate, often offering higher leverage and longer amortizations than conventional bank loans. However, securing SBA 7(a) loans, SBA 504 loans, or USDA Guaranteed Loans requires specialized expertise and access to approved lending partners.

The Madison Group serves as a trusted commercial real estate finance advisor, arranging SBA 7(a) and SBA 504 loans with financing of up to 90% for eligible owner-occupied properties. We work on behalf of business owners and investors to structure financing solutions aligned with operational needs, growth objectives, and long-term capital strategies.

Through established relationships with SBA Preferred Lenders and certified development companies at the local, regional, and national levels, The Madison Group provides access to competitive terms, long amortizations, and flexible structures. These programs are particularly well-suited for businesses that may not fit within traditional bank underwriting guidelines but demonstrate strong operating fundamentals.

Whether acquiring, refinancing, expanding, or constructing owner-occupied commercial real estate, The Madison Group delivers disciplined advisory support and streamlined execution, helping clients secure optimal SBA and USDA financing with confidence.

Key Benefits of SBA & USDA Loans

  • Low Down Payments: Often require lower down payments than traditional commercial loans
  • Longer Repayment Terms: Extended terms reduce monthly payments and improve cash flow
  • Competitive Rates: Some of the most competitive interest rates available
  • Flexible Use of Funds: Acquisitions, refinancing, construction, and working capital
  • Up to 90% LTV: Higher leverage than conventional financing

SBA 7(a) SBA 7(a) Loans

The SBA 7(a) loan program is the SBA's most popular and flexible loan option. It provides financing for a wide range of business purposes and is ideal for businesses that need working capital, equipment, or real estate financing.

  • Maximum loan amount up to $5 million
  • Working capital, equipment, and real estate purchases
  • Business acquisitions and partner buyouts
  • Debt refinancing under certain conditions
  • Terms up to 25 years for real estate
  • Variable or fixed rate options available
$5M
Max Loan
25-30 Years
Max Term
90%
Max LTV

SBA 504 SBA 504 Loans

The SBA 504 loan program is designed for businesses looking to acquire fixed assets like real estate or heavy equipment. It features long-term, fixed-rate financing with low down payments—ideal for owner-occupied commercial properties.

  • Long-term, fixed-rate financing
  • As little as 10% down payment required
  • Purchase land, buildings, or major equipment
  • New construction or renovation projects
  • Refinance existing debt in certain cases
  • No maximum project size (SBA portion capped)
10%
Down Payment
25 Yrs
Max Term
Fixed
Rate Type

USDA USDA Business & Industry (B&I)

USDA Business & Industry (B&I) loans provide financing for rural businesses and commercial properties. These loans support economic development in rural areas and offer competitive terms for qualifying properties and businesses.

  • For businesses in rural areas (population under 50,000)
  • Working capital, equipment, and real estate
  • Business acquisitions and expansions
  • Debt refinancing available
  • Agricultural and commercial properties eligible
  • Longer terms and competitive rates
$25M+
Max Loan
30 Yrs
Max Term
80%
Max LTV

Why Choose The Madison Group?

Since 2001, The Madison Group has advised clients on SBA and USDA financing, bringing deep expertise in navigating the complexities of these loan programs to secure optimal terms. Our long-standing relationships with SBA Preferred Lenders, combined with a thorough understanding of SBA and USDA loan structures, enable us to match each transaction with the most appropriate lender, maximizing the likelihood of approval, efficient execution, and successful funding.

Loan Program Details

Minimum Loan $1,000,000
Rates Fixed & Variable
Max Term Up to 25 Years
Amortization Fully Amortized
Max LTV Up to 90%
Min FICO 650
Recourse Full Recourse
Loan Uses Purchase, Refi, Construction

Key Benefits of SBA & USDA Loans

Low Down Payments

As little as 10% down required.

Longer Terms

Up to 25 years fully amortized.

Competitive Rates

Government-backed low rates.

Flexible Use

Purchase, refi, construction, working capital.

Ready to Get Started?

Partner with The Madison Group to secure SBA or USDA financing for your business.

Call 435-785-8350