Glossary · The loan itself
In short
A loan secured by commercial real estate, used to purchase or refinance properties like offices or warehouses. When buying a business that owns its real estate, this loan component is key to financing the property.
If the business you're acquiring includes real estate, a portion of your 7(a) loan will function as a commercial mortgage. The SBA requires the property to be primarily owner-occupied (at least 51%). Be sure to understand the appraisal and environmental review requirements for the real estate.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Defined by DealRoom.so SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
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