Commercial Property Acquisition Loans

Buy Your Next Commercial Property

$1M–$30M for owner-occupied and investment property acquisitions. SBA 504, bridge, and conventional structures. With a soft quote in 1-2 business days

Apply for a Loan →Schedule a Call
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Since 2002 · $6.5B+ Funded · $1B AUM
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Acquisition Financing Built Around Your Strategy

Buying to Own, Not Lease

Borrow only as you build. Interest is charged on drawn funds only — not the full committed amount — keeping your carry cost low while construction progresses.

Adding to Your Portfolio

Acquiring a stabilized or near-stabilized income-producing asset and need certainty of execution

Expanding Into a New Market

Growth-stage operator or franchisee that needs a lender fluent in franchised concepts and approvals

Racing a Closing Date

Targeting a specific close or franchise milestone and need to move decisively while preserving liquidity

How AVANA Companies Supports Property Acquisitions

We match your acquisition strategy with the right loan structure, drawing from a toolkit of SBA 504, bridge, and conventional term loans.
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SBA 504 Loans

Up to $20M in fixed-rate financing covering up to 90% of project costs, with terms to 25 years. For owner-operators who want maximum leverage and a steady payment.

Explore SBA 504 Program →

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Bridge Loans

$10M–$30M in short-term funding, terms to 3 years, to bridge transactions until permanent financing is secured. Fast, certain execution.

Explore Bridge Program →

Conventional Term Loans

$1M–$15M in fixed-rate financing for stabilized assets — up to 75% LTV, 5–10 year terms. For acquisition, refinance, or improvements.

Explore Conventional Program →

Acquisition Loan Rates, Terms & Eligible Properties

While every transaction is underwritten individually, AVANA’s acquisition financing generally offers:

Loan Sizes

From $1 million to $30 million, supporting a full range of commercial programs.

Terms

Short-term bridge structures up to 3 years and long-term options up to 25 years for qualifying programs.

Leverage

Up to 75% loan-to-value (LTV) in many conventional scenarios, and up to 90% total financing for certain SBA 504 structures.

Pricing

Market-indexed, typically tied to SOFR, CMT, or Treasury benchmarks, plus program-specific spreads.

Extension Flexibility

Select short-term programs offer annual renewal or extension options, subject to credit approval.

Wide Range of Asset Types

Franchised Hotels

→

Franchised Restaurants

→

Industrial

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Manufacturing Facilities

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Medical Offices

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Retail

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Self-Storage

→

Who We Fund

Our acquisition financing is built for experienced sponsors. You're a strong fit if:
You have a track record — 5+ years operating in commercial real estate or the property's industry
Your credit is strong — 680+ FICO
The property produces income — a stabilized or near-stabilized asset: industrial, multifamily, medical office, self-storage, retail, or franchised hospitality
Your deal is $1M-$30M — structured through SBA 504, bridge, or conventional financing
You bring equity — we finance up to 75% LTV, or up to 90% for owner-occupied SBA 504
Full-recourse guaranty from principals
Checks these boxes? Get a soft quote →
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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 1-2 business days

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

Apply for a Loan
Explore Process

Proven Success Stories

We’ve helped businesses across industries

Construction of a hotel using modular construction
Featured
August 23, 2024

Construction of a hotel using modular construction

Loan Purpose:

Acquisition

Asset Class:

Hotel

Loan Amount:

$15,000,000

Two Industrial Flex Buildings
Featured
October 24, 2024

Two Industrial Flex Buildings

Loan Purpose:

Acquisition

Asset Class:

Industrial

Loan Amount:

1,225,000

Frequently Asked Questions

Find answers to common questions
Who and what qualifies for CRE acquisition financing?
We finance stabilized, income-producing CRE for experienced sponsors. Priority assets include industrial, multifamily, medical office, self-storage, mixed-use (retail/multifamily), retail (grocery-anchored preferred), franchised restaurants, and franchised hotels. Sponsors should meet baseline credit standards (minimum 680 FICO, 5+ years of industry experience) and be comfortable with full-recourse guaranties.  
How much can I borrow, and what impacts leverage?
Loan sizes typically range from $1MM–$30MM. Leverage is generally up to ~75% LTV for conventional and bridge loans, and can be as high as 90% for owner-occupied properties that qualify for SBA 504. Final proceeds depend on asset quality, market strength, tenant/NOI durability, and sponsor profile.  
Are rates fixed or floating, and how is pricing set?
Conventional and Bridge loans are typically floating and priced off market benchmarks like CMT or SOFR. For SBA 504-eligible deals, the SBA debenture portion has a fixed rate while the 1st-lien is floating. Final pricing reflects market rates, risk, and structure.  
What’s the expected timeline to close, and what commonly delays it?
Plan for 30-45 days from a signed LOI, driven by appraisal, environmental, property condition reports, title/survey, and the completeness of financials. You can speed things up by delivering a complete package upfront and ordering third-party reports quickly.  
What do you need to issue a quick quote or term sheet?
Share property details and a clear request (amount, purpose, desired terms), ownership/guarantor info (20%+), historical financials and T-12, rent roll (if applicable), a debt schedule, and personal financials for guarantors. If improvements are planned, include scope and budget.  
Can acquisition proceeds be used for a partner buyout?
Yes. Proceeds may be used to buy out a member/partner by purchasing equity interests, and you can also refinance the existing loan if helpful. Sizing is driven by appraised value/NOI and DSCR; remaining owners typically provide full-recourse guaranties. A modest equity contribution may be needed to maintain target LTV and post-close liquidity.

Ready to Finance Your Next Acquisition?

Whether you’re purchasing your first owner-occupied facility or adding another property to your portfolio, AVANA Companies is ready to help you design the right capital structure—fast, flexible, and aligned with your long-term goals.
Apply for a Loan →Schedule a Call ↗

Insights

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Our Team

Sanat Patel, AVANA Companies

About Sanat Patel

As Chief Lending Officer at AVANA Companies and Chair of the Board at AVANA Bank, Sanat Patel brings more than three decades of experience in financial services, private credit and commercial banking, with a proven track record in loan structuring, risk management, and balance sheet growth. Sanat has led strategic initiatives that connect institutional capital with entrepreneurial ambition, supporting the growth of businesses, and  owners engaged in commercial real estate across the U.S. He has built and scaled lending platforms in partnership with banks and credit unions, developing tailored financial solutions that drive job creation and foster inclusive economic development.

Sanat Patel
Chief Lending Officer