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One of the easiest ways to qualify for an SBA expansion loan is by including commercial real estate in the deal.
Beau explains that lenders are much more comfortable funding an expansion when you're moving from leasing to owning. For example, if you're a CPA leasing an office and want to buy a building, the SBA 7(a) or 504 loan makes this relatively straightforward—especially if your business cash flow supports the new loan.
✅ Why Real Estate Helps:
- Tangible collateral improves your chances.
- Many lenders offer 100% financing on owner-occupied commercial properties.
- Long-term fixed rates and favorable terms.
💼 No Real Estate? No Problem
Don’t own or plan to purchase real estate? You can still qualify for an SBA loan.
Beau points out that there are lenders who offer 100% SBA financing with no real estate involved. These lenders may still fund your expansion even when there's a collateral shortfall.
Common Use Cases for Non-Real Estate SBA Expansion Loans:
- Opening a second (or third) business location.
- Hiring and training new staff.
- Acquiring new equipment.
- Rolling up another company (a competitor, for instance).
🔄 Strategic Acquisitions: The “Roll-Up” Expansion
Another growth strategy that SBA loans support is strategic acquisition, or what Beau calls a “roll-up.”
“Let’s say you own a pest control company, and your competitor is retiring—you can acquire their business using SBA financing,” he says.
This type of growth-through-acquisition is common and often easier to finance because there’s a proven business model and revenue behind the deal.
🔍 How to Get Started
If you think your business is ready for expansion, the best first step is to talk with an expert. Beau Eckstein offers free consultations and helps tailor the financing strategy based on:
- Your tax returns and financials
- Your industry and growth plans
- Whether real estate is involved
- Your credit score and outside income
👉 Book a free call with Beau here
🎯 Final Thoughts: SBA Expansion Loans Can Be a Game Changer
With the right timing and guidance, SBA business expansion loans can help you:
- Grow your revenue
- Increase your market share
- Acquire competitors
- Transition from renter to owner
Beau Eckstein, with over 20 years in SBA lending, knows how to navigate the nuances of expansion financing. Whether it’s a real estate-based deal or a roll-up acquisition, he can help you position your application for success.
📩 Bonus Resource: Get Exclusive Franchise Listings Weekly
If you're looking to acquire an existing business, Beau also offers curated franchise resale listings. Sign up to receive weekly updates and access hidden inventory not found on public sites:
👉 Visit FranchiseResaleListings.com
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