Commercial Real Estate

FNB Commercial Real Estate FinancingFNB Commercial Real Estate Financing

Acquiring commercial real estate is a big milestone for your business, and having the right financing can make all the difference. At FNB Small Business Finance, we specialize in providing tailored commercial real estate loans along with all the resources you need to navigate the process.

Our SBA lending solutions can finance 90% - 100% of your real estate purchase. Combined with a 25-year term, these solutions drive down your monthly payments and keep more cash in your business. With an SBA loan, you can finance acquiring the property, making needed improvements, buying additional FF&E or machinery, and working capital to cover expenses and other needs – all in one long-term loan. We can also finance ground-up construction with all of the same benefits if a workable property is not available in your market.

Solutions

  • Customized lending solutions using SBA 7(a), 504, and Express loans – or a combination of all three
  • Financing for both multi-use or special-use properties
  • Financing for property improvements or ground up construction
  • Dedicated Construction Group to work with you and your contractor throughout the process

Benefits

  • 90% - 100% financing available
  • Quarterly variable, 3-year fixed rate, or 5-year fixed rate structures available
  • Full 25-year term on most real estate acquisitions
  • No balloon payments or call options
  • No loan covenants or deposit requirements

 

Pre-Application Checklist:

When you’re ready to get started, please reach out to one of our Business Development Officers. The following list will help you prepare for our initial conversation.

  • Estimated project costs
  • Three years of tax returns, interim financial statements on existing business(es) including Income Statement, Balance Sheet, Debt Schedule
  • Three years personal tax returns – all owners 20%+
  • Personal Financial Statement – all owners 20%+
The Difference Between an SBA Loan and a Conventional Loan

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You’re ready to acquire a business, now what?

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SBA 7(a) V. SBA 504 – What’s the Difference?

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  • Maracas Montessori

    See How We’ve Helped Other Businesses
    Baltimore Motor Works - Maryland

    “Baltimore Motor Works, located in Middle River, Maryland, is a European auto specialty shop. With a current team of three, customer demand quickly outweighed the existing location’s capacity. Keith determined the next logical step for Baltimore Motor Works was to acquire a new facility to better serve his clientele, expand the service offerings, and continue to grow the business."

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