Compare Commercial Real Estate Loan Programs

Review AVANA’s commercial real estate loan programs and compare key differences in structure, speed, and typical documentation—then confirm fit during review.

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Commercial Real Estate Loan Programs

AVANA Companies offers a full suite of CRE loan programs to match your project’s stage and strategy. The same team can help you evaluate multiple options and select the structure that best supports your goals.

SBA 504 Loans

Long-term financing with up to 90% LTV designed to help business owners acquire, expand, or refinance commercial real estate

Explore SBA 504 Program →

Conventional Term Loans

Long-term financing for stabilized assets. Ideal for acquisition, refinancing, or property enhancements

Explore Conventional Program →

Bridge Loans

Short-term funding to bridge the gap between transactions or support property transitions until permanent financing is secured

Explore Bridge Program →

Construction Loans

Flexible capital for ground-up developments, brand conversions, or major property improvements

Explore Construction Program →

SBA 504 Loans
Built for Growth

Fixed-Rate, High LTV (Up to 90%), Long-Term CRE Loans for Owner-Occupied Properties

Backed by $5B+ in SBA lending expertise. Fast, transparent closings tailored for small businesses and brokers.

Apply For a LoanProduct Sheet

What is the right choice?

A side-by-side view of what changes most between programs

Details

SBA 504

Bridge

Construction

Conventional

Best for
Owner-occupied CRE
Transitional or value-add deals
Up to 3 Years
Up to 10 Years
Term
2 parts: up to 10 Years and up to 25 Years
Up to 3 Years
Up to 3 Years
Up to 10 Years
LTV
Up to 90% total
Up to 75%
Up to 75%
Up to 75%
Loan amount
Up to $20MM total
$5MM - $30MM
$5MM - $30MM
$1MM - $15MM
Rate type
Mixed: fixed + lender set
SOFR-based floating
SOFR-based floating
SOFR-based floating
Loan purpose
Acquire / refinance
Acquire / refinance / stabilize
Build / renovate
Acquire / refinance / buyout / upgrade
Eligible properties
Wide asset types, owner-occupied focus
Wide asset types
Franchised hospitality
Wide asset types
Common decison drivers
Leverage + stability
Timeline + flexibility
Project phase + budget
Cash flow + long hold

SBA 504

Best for: Owner-occupied CRE
Term: 2 parts: up to 10 Years and up to 25 Years
LTV: Up to 90% total
Loan Amount: Up to $20MM
Rate Type: Mixed: fixed + lender set
Loan Purpose: Acquire / Refinance
Eligible Properties: Wide asset types, owner-occupied focus
Common Decision Drivers: Leverage + stability

Bridge

Best for: Transitional/value-add deals
Term: Up to 3 Years
LTV: Up to 75%
Loan Amount: $5MM - $30MM
Rate Type: SOFR-based floating
Loan Purpose: Acquire / Refinance / Stabilize
Eligible Properties: Wide asset types
Common Decision Drivers: Timeline + flexibility

Construction

Best for: Ground-up/major rehab
Term: Up to 3 Years
LTV: Up to 75%
Loan Amount: $5MM - $30MM
Rate Type: SOFR-based floating
Loan Purpose: Build / Renovate
Eligible Properties: Franchised hospitality
Common Decision Drivers: Project phase + budget

Conventional Term

Best for: Stabilized income assets
Term: Up to 10 Years
LTV: Up to 75%
Loan Amount: $1MM - $15MM
Rate Type: CMT-based resets
Loan Purpose: Acquire / Refinance / Buyout / Upgrade
Eligible Properties: Wide asset types
Common Decision Drivers: Cash flow + long hold

A Streamlined Process

We make financing simple, transparent, and fast from application to funding

Submit Application

Submit your application with pre-qualification documents. We’ll review and issue a soft quote within 1 business day

Review

We review initial documents and confirm loan structure and key terms. If the deal meets criteria, we issue a Letter of Intent with proposed terms

Approval & Terms

We complete underwriting and order third-party reports as needed. Credit team issues final approval when complete (timing can vary)

Closing & Funding

We prepare final loan documents, open escrow, and coordinate closing. Funds are released once closing requirements are met

Explore Process
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What is the right choice?

Submitting a request helps confirm fit during review—this page isn’t a commitment to lend.  
  • Owner-occupied
    SBA 504
  • Value-add needing fast close
    Bridge
  • Ground-up hotel or conversion
    Construction
  • Stabilized income property or partner buyout
    Conventional Term

Start your application today

Fill a 5-minute online form. Our team will review your details and guide you every step of the way
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