SBA loans by use of funds
SBA Loans for Commercial Real Estate
SBA lenders funded 116,345 7(a) and 504 loans for commercial real estate since FY2010 (11.2% of all SBA lending in the data), totaling $96.7B, an average of $831K per loan. The most active lender is Mortgage Capital Development Corporation.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
Most SBA commercial real-estate financing runs through the 504 program. The figures below cover 504 lending, which funds owner-occupied real estate and long-term fixed assets; the 7(a) program can also fund owner-occupied real estate. They cover funded loans, not applications, so a lender's activity here is a track-record signal — not a guarantee you will be approved. Of these, 100% are 504 loans (owner-occupied real estate and long-term equipment), which is why average loan sizes here run large. Estimate a payment with the SBA loan calculator, or check the basics with the eligibility checker. For the full walkthrough, read the guide.
Most active SBA lenders for commercial real estate
Ranked by funded SBA volume for commercial real estate in the public data. A lender active in your situation is a good place to start — then talk to a few before you apply.
| Lender | Loans | Total volume |
|---|---|---|
| Mortgage Capital Development Corporation | 5,420 | $6.4B |
| CDC Small Business Finance Corp. | 5,090 | $5.0B |
| Florida Business Development Corporation | 5,748 | $4.4B |
| Empire State Certified Development Corporation | 4,145 | $4.2B |
| Florida First Capital Finance Corporation, Inc. | 4,401 | $4.0B |
| Business Finance Capital | 2,708 | $3.4B |
| California Statewide Certified Development Corporation | 2,730 | $2.9B |
| Mountain West Small Business Finance | 3,423 | $2.8B |
| WBD, Inc. | 3,159 | $2.6B |
| Small Business Growth Corporation | 3,247 | $2.6B |
Ready to talk to lenders that fund commercial real estate?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
Top states for commercial real estate SBA loans
| State | Loans | Total volume |
|---|---|---|
| California | 22,263 | $22.9B |
| Florida | 9,748 | $7.9B |
| Texas | 5,609 | $6.1B |
| Illinois | 5,762 | $4.5B |
| New York | 3,891 | $3.8B |
| Utah | 4,019 | $3.2B |
| Minnesota | 4,558 | $3.1B |
| Georgia | 3,164 | $2.9B |
| Wisconsin | 3,382 | $2.8B |
| Massachusetts | 4,297 | $2.7B |
SBA lending for commercial real estate by year
Funded SBA volume by approval fiscal year (FY2010–2026).
SBA loans for commercial real estate: frequently asked questions
Can you get an SBA loan for commercial real estate?
Yes. Lenders funded 116,345 SBA 7(a) and 504 loans for commercial real estate in the public data (as of 2026-03-31), 11.2% of all SBA lending, totaling $96.7B.
How much is a typical SBA loan for commercial real estate?
The average SBA loan for commercial real estate is $831K, across 116,345 funded loans. Your amount depends on use of funds, cash flow, and the lender.
Which SBA lenders fund commercial real estate?
Mortgage Capital Development Corporation, CDC Small Business Finance Corp., Florida Business Development Corporation are among the most active SBA lenders for commercial real estate by funded volume. A lender that regularly funds your situation is more likely to understand the deal.