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AVANA's Commercial Real Estate Eligibility Criteria
Understanding whether your project fits our lending programs is the first step toward closing. Below, we outline the property types and purposes we look for across our SBA 504, bridge, conventional, and construction financing programs
Borrower Qualifications
To be considered for financing through AVANA Companies, borrowers and guarantors should generally meet the following standards
Credit Profile
A minimum FICO score of 680 for all guarantors. Our underwriting team evaluates the credit history, payment patterns, and overall financial health
Industry Experience
Relevant experience in commercial real estate or in the specific industry related to the property (e.g., hospitality, healthcare, manufacturing)
Debt Service Coverage
A minimum DSCR of 1.25x is required on most programs — meaning net operating income must cover annual debt payments by at least 125%
Repayment Capacity
The ability to service the proposed debt based on historical and/or projected cash flows
Business Structure
The borrowing entity should be a U.S.-based, for-profit business. For SBA 504 financing, the company must meet Small Business Administration size standards
Frequently asked questions
Find answers to common questions
What credit score do I need to qualify for a CRE loan with AVANA?
We generally require a minimum FICO score of 680 for all guarantors on the loan. Our credit team looks beyond the score itself — we also evaluate payment history, outstanding obligations, and overall financial stability. If your score is close to the threshold, we encourage you to apply so we can assess the full picture, including the strength of the property, your experience, and the deal structure.
What types of commercial properties does AVANA finance?
We provide financing for a wide range of income-producing and owner-occupied commercial real estate, including hospitality (franchised hotels), industrial and warehouse facilities, medical offices, self-storage, multifamily, mixed-use properties, grocery-anchored retail, restaurants, and manufacturing facilities. We do not currently finance assisted living or skilled nursing, cannabis-related properties, gas stations or convenience stores, gyms, raw land, parking structures, religious buildings, or solar and clean energy projects. If your property type isn't listed, reach out — our team can give you a quick eligibility read.
What is the minimum and maximum loan amount?
AVANA finances commercial real estate projects ranging from $1 million to $30 million across our SBA 504, bridge, conventional, and construction loan programs. The exact amount depends on the property type, borrower profile, loan program, and deal structure.
How quickly can I find out if my project qualifies?
In most cases, our team can provide an initial eligibility assessment within one business day of receiving your pre-qualification materials. From there, if the deal fits our programs, we typically issue a Letter of Intent with proposed terms within 3 to 5 business days. Full closing timelines vary by program. The biggest factor in speed is how quickly borrowers provide complete documentation.
Apply for a CRE Loan Today
Every project is different, and lending criteria can flex depending on the full picture — asset quality, market conditions, sponsor depth, and deal structure all play a role. Complete a short online form to share your property details, capital needs, and timing