Only 10% down vs. conventional 20-40% requirement
Lock in today's rates for 25 years while others face payment uncertainty
Finance $30M+ projects while SBA 7(a) stops at a mere $5M
No additional collateral requirements beyond the property itself
Banks quietly pocket the extra capital you could be using to grow your business
Your loan payment could jump 50% when rates rise, putting your business at risk
Other lenders demand your home and personal assets on top of your medical property
7(a) loans cut you off at $5M, forcing multiple loans and higher costs
Perfect for single or multi-chair practices, specialty dental facilities, and orthodontic centers
Ideal for family practice, internal medicine, cardiology, and multi-specialty medical buildings
For small animal practices, emergency veterinary facilities, and large animal treatment centers
Treatment facilities, rehabilitation centers, and wellness clinics
On a $2M property purchase, YOU KEEP $200,000-$600,000 MORE in your business with SBA 504 vs. conventional financing
Qualifying upgrades include:
✓ Medical-grade HVAC systems with air filtration
✓ LED lighting conversions for examination rooms
✓ Enhanced insulation for temperature-sensitive areas
✓ Energy-efficient medical equipment integration
Qualifying upgrades include:
✓ Medical-grade HVAC systems with air filtration
✓ LED lighting conversions for examination rooms
✓ Enhanced insulation for temperature-sensitive areas
✓ Energy-efficient medical equipment integration
Break free from:
⟫ Adjustable interest rates that keep climbing
⟫ Upcoming balloon payments that threaten your cash flow
⟫ Excessive collateral requirements tying up your assets
⟫ High monthly payments draining your operational capital
Break free from:
⟫ Adjustable interest rates that keep climbing
⟫ Upcoming balloon payments that threaten your cash flow
⟫ Excessive collateral requirements tying up your assets
⟫ High monthly payments draining your operational capital
When property values don't match the purchase price, conventional loans fall short, forcing you to either pay more out-of-pocket or lose the deal entirely. With SBA 504 financing, we have specialized solutions to bridge appraisal gaps.
Our appraisal gap protection ensures your deal stays intact even when:
• The property appraises below the agreed purchase price
• Conventional lenders would require significant additional capital
• Other financing options leave you with funding shortfalls
Conventional Loan
YOU PAY: $400,000+
(20% of $1.8M + $200k gap)
SBA 504 Solution
YOU PAY: $200,000
(10% of $2M)
Pre-qualification
24-48 hours
Quick assessment of eligibility and preliminary approval
Full application
3-4 weeks
Complete documentation gathering and submission
SBA approval
5-7 days
Final review and authorization from SBA
Closing
1-2 weeks
Finalize documents and secure property
Permanent funding
45-60 days post-closing
Long-term financing with low fixed rates
Down Payment:
$400,000-$600,000 (20-30%)
Working Capital Lost:
$300,000-$500,000 more than SBA 504
Interest Rate:
Variable, likely to increase
Monthly Payment:
$11,500+ (subject to increases)
Down Payment:
$200,000 (10%)
Working Capital Saved:
$300,000-$500,000
Interest Rate:
Fixed for 25 years
Monthly Payment:
$10,300 (never increases)
Down Payment:
$1,000,000-$1,500,000 (20-30%)
Working Capital Lost:
$750,000-$1,250,000 more than SBA 504
Interest Rate:
Variable, likely to increase
Monthly Payment:
$28,500+ (subject to increases)
Down Payment:
$500,000 (10%)
Working Capital Saved:
$750,000-$1250,000
Interest Rate:
Fixed for 25 years
Monthly Payment:
$25,750 (never increases)
$2.7 BILLION
in SBA 504 loans funded
4,500+
successful business property acquisitions
98.7%
approval rate for qualified applicants
27 YEARS
of specialized SBA 504 expertise
After being turned down by three local banks, Rainmakers Commercial Group secured our SBA 504 loan with just 10% down on our $3.2M manufacturing facility. We kept over $500,000 in working capital that we've used to expand operations and hire 12 new employees.
CEO, Advanced Manufacturing Solutions
FDIC Member
Rainmakers Commercial Group
Legal
Rainmakers Commercial Group is not a direct lender. We connect qualified borrowers with SBA-approved lenders. All loans subject to approval.
Interest rates subject to change based on market conditions at the time of closing.
©2025 Rainmakers Commercial Group. All rights reserved.
This is a marketing communication. Information provided is for educational purposes only and does not constitute financial advice. Consult your financial advisor before making any financial decisions.