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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
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