SBA Alternative Small Balance Loan Program
When a traditional SBA loan isn’t the right fit for your timeline or property type, our Alternative Small Balance Loan Program provides the flexibility you need. Designed for Florida investors and business owners who require higher leverage and streamlined underwriting, this program offers a powerful alternative to institutional bank financing.
Program Highlights: The Alternative Advantage
- Low Down Payment: Retain your cash with equity injections as low as 10%.
- Loan Amounts: Financing typically ranging from $5 Million to $50 Million+.
- Flexible Leverage: Competitive Loan-to-Value (LTV) ratios tailored to the asset class and project scope.
- Diverse Asset Classes: Coverage for major commercial sectors including hospitality, industrial, retail, and healthcare.
- Customized Terms: Interest-only periods, fixed-rate options, and structured bridge financing available through our investor network.
- Nationwide Capabilities: While we specialize in the Florida market, our mid-to-large balance programs extend to primary and secondary markets nationwide.
Eligible Property Types
Our institutional partnerships allow us to consider a wide array of high-value commercial assets:
- Multi-Family Housing (5+ Units)
- Mixed-Use Properties
- Retail Centers & Strip Malls
- Office Buildings & Professional Suites
- Light Industrial & Warehouse Spaces
- Self-Storage Facilities
- Mobile Home Parks
Why Choose an Alternative Small Balance Loan?
- Speed of Execution: When you need to close faster than the 45–60 day SBA timeline.
- Non-Owner Occupied: Unlike SBA 504 or 7(a) loans, which require 51% owner-occupancy, this program is excellent for investor-owned commercial real estate.
- Complex Financials: If your tax returns don't perfectly align with strict SBA debt-service coverage ratios (DSCR), our alternative investors offer more flexible credit and income analysis.
Why Choose Us for Your SBA 504 Financing?
Our mission is to provide a comprehensive suite of financial tools. If your project has outgrown the SBA $5 million cap, our Small Balance program is the logical next step.
Ready to see if you qualify?
Whether you are looking for a small-balance loan or a multi-million dollar real estate acquisition, our team is ready to provide a free initial assessment of your project.
Commercial Loan — Short Application
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Frequently Asked Questions
What is the SBA Alternative Small Balance Loan Program?
The SBA Alternative Small Balance Loan Program provides flexibility for Florida investors and business owners who need higher leverage and streamlined underwriting when traditional SBA loans aren't suitable for their timeline or property type.
What are the loan amounts offered in this program?
Financing typically ranges from $5 million to over $50 million.
What types of properties are eligible for this loan program?
Eligible property types include multi-family housing (5+ units), mixed-use properties, retail centers, strip malls, office buildings, professional suites, light industrial, warehouse spaces, self-storage facilities, and mobile home parks.
What are the benefits of choosing an Alternative Small Balance Loan?
Benefits include faster execution compared to the 45–60 day SBA timeline, suitability for non-owner occupied properties, and more flexible credit and income analysis for complex financial situations.
Can this loan program be used for properties outside of Florida?
While the program specializes in the Florida market, it also extends to primary and secondary markets nationwide.
What is the minimum down payment required for this loan?
The program allows for equity injections as low as 10%, enabling borrowers to retain more cash.