Commercial Property Acquisition

AVANA Companies helps business owners and real estate investors secure the capital they need to acquire commercial properties across the U.S. Whether you’re purchasing an owner-occupied facility for your growing business or adding a stabilized asset to your portfolio, our team structures financing around your strategy and timeline

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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.

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Lending Solutions for Healthcare Real Estate

You may be a fit for commercial property acquisition financing if you:
  • Plan to purchase an income-producing or owner-occupied property such as a hotel, medical office, restaurant, industrial facility, or self-storage asset.
  • Want clarity on long-term occupancy costs instead of leasing.
  • Are expanding into a new market and need a lender who understands franchised concepts and growth-stage operators. 
  • Are a real estate investor acquiring stabilized or near-stabilized assets and need certainty of execution.
If you’re targeting a specific closing date or franchise approval milestone, acquisition financing can help you act decisively and preserve liquidity for operations and future growth.

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.

SBA 504 Loans

Long-term, fixed-rate financing with up to 90% total project costs for qualifying owner-operators. Ideal for acquiring or expanding hotels with strong sponsorship and occupancy outlooks.

Explore SBA 504 Program →

Bridge Loans

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

Explore Bridge Program →

Conventional Term Loans

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

Explore Conventional Program→

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Diversify portfolios
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Expand lending programs beyond their communities
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Mitigate concentration risk
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Improve Loan-to-share ratio

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

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Industrial

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Manufacturing Facilities

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Medical Offices

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Retail

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Self-Storage

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For Investors: Why Financing Commercial Acquisitions Matters

AVANA Companies connects impact-minded investors with portfolios of loans that finance real businesses and real properties. Acquisition loans can be compelling for private-credit investors because they:
  • Are backed by tangible commercial real estate with diversified collateral across sectors such as hospitality, healthcare, and industrial.
  • Often support proven operators expanding an existing platform, helping to preserve and grow local jobs.
  • Direct capital into small and medium-sized businesses that are anchors in their communities—from hotels serving regional tourism to medical practices expanding essential services.
By financing thoughtful acquisitions, investors can seek attractive, income-oriented exposure while supporting the growth of real-world businesses.
Invest with AVANA

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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Proven Success Stories

We’ve helped businesses across industries

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

Construction project of a hotel using modular construction

Loan Purpose:

Acquisition

Asset Class:

Hotel

Loan Amount:

Bridge Loan

Multi-Tenant Office Building in Las Vegas
Featured
September 30, 2024

Multi-Tenant Office Building in Las Vegas

Loan Purpose:

Refinance

Asset Class:

Multi-Family

Loan Amount:

2,450,000

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 quality 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.
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Our Team

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

Our Team

About Christyna Lane

As a lending participation expert in Southern California, Christyna Lane manages the direct loan placements for AVANA CUSO, a Member of the AVANA Family of Companies, with lenders like credit unions, community banks and other financial institutions while establishing and maintaining relationships for the organization.  Joining the CUSO team in 2014, she works in connection with lenders nationwide to assist them in reaching their commercial lending goals and diversifying their portfolio.

Christyna Lane
Vice President Participations