Every Viable SBA Deal Has a Right Fit.
The right lender, the right terms, the right structure — matched to your specific deal. That's what we do.
How Green Commercial Capital Works
Independent guidance on whether an SBA loan fits — and if it does, a direct path to the right lender for the specific deal.
Review Your Scenario
A brief conversation covers the deal — property type, use of proceeds, business cash flow, and the financing structure that makes the most sense.
Match to the Right Lender
Green Commercial Capital has relationships with SBA lenders who specialize in specific deal types — including lenders who are exceptionally good at SBA but don't widely advertise it. Whether the deal is complex or straightforward, the goal is the right lender and the best available terms.
Guidance Through Closing
SBA loans involve layers — appraisals, underwriting, SBA eligibility, and lender conditions. Green Commercial Capital stays involved from application through funding.
Loan Programs by Business Type or Use
SBA 7a and 504 loans finance a wide range of business types, property types, and transaction structures. Below are the most common.
SBA 7a vs. SBA 504 — Which Loan Fits?
Both programs serve small and mid-sized businesses, but they work differently. Choosing the right one — or combining both — depends on the deal structure.
SBA 7a Loan
The most flexible SBA program. Used for business acquisitions, working capital, partner buyouts, equipment, and commercial real estate — including 100% financing for established businesses. Loan amounts up to $5 million.
SBA 7a requirements & rates →SBA 504 Loan
Designed specifically for owner-occupied commercial real estate and long-life equipment. 10% down, 25-year fixed rate on the CDC portion, and loan amounts well above $5 million for qualifying projects.
SBA 504 requirements & rates →SBA 504 Refinance
Refinance existing commercial mortgage debt — including cash-out for business expenses — with or without a concurrent expansion. One of the most underused options in the SBA toolkit.
How 504 refinances work →Why Work With Green Commercial Capital
As an independent broker — not a lender — Green Commercial Capital's only obligation is to the borrower.
Independent, Not a Lender
Green Commercial Capital has no loan to sell. The fee comes from the lender at closing — not from the borrower on most transactions. That means the only agenda is finding the right fit.
Complex Deals and Clean Ones
Specialty properties, business acquisitions, ground-up construction, and non-standard structures are a focus — but strong borrowers with straightforward deals often find better terms here than through their own bank.
Direct Access to the Founder
Every inquiry goes directly to GCC founder John King — not a junior loan officer or a queue. Expect a response within minutes to hours during business hours, and almost always the same day.
Complete Transparency
If an SBA loan isn't the right fit — or if a borrower simply doesn't need a broker — Green Commercial Capital says so plainly. That's been the standard since 2009.
What Borrowers Say
A few transactions from over 17 years of SBA financing.
"I tell people I paid no money down on my building because it's a sexy story — 2 words: John King. His knowledge about what we could do versus the 3 other 'SBA specialists' at banks I had met with completely changed our perspective on the deal. Overall we had under $19,000 out of our pocket on a $3.13 million transaction."Jeff K. — Fort Worth, TX $3.3M purchase + renovation, no money down
"John was wonderful to work with. He was personable, down-to-earth, and made the whole process feel easy from start to finish. He was always prompt in getting back to me, answered my questions clearly, and helped us find the best bank and the best fit for our needs. I would 10/10 recommend him to anyone looking for a knowledgeable, responsive, and genuinely easy-to-work-with professional."Dave S. — Ohio Campground acquisition, SBA 7a
"John explained everything in terms that were easy to understand and laid out a couple of options. With his help I was able to secure a $2.2M loan with 10% down — capital to purchase the land, develop the facility, and have sufficient working capital to get the new venture started."J. Cruz $2.2M self-storage construction loan
"With you, I felt like I was getting honest answers without the pressure of being rushed into making a decision. Your company provided a high level of professionalism, honesty, and concern — this was the easiest transaction I have ever completed. Not even my own bank provided the quality of a refinance like this."Adam S. — Maryland & James S. — California SBA refinance transactions
Common Questions
A few things borrowers typically ask before reaching out.
Is Green Commercial Capital a free service?
In the vast majority of transactions — yes. On most SBA 7a loans, the lender pays Green Commercial Capital a referral fee at closing. The borrower pays nothing. On some SBA 504 transactions, depending on the lender and deal structure, a modest fee may apply — but that's the exception, not the rule, and it's always disclosed upfront. There are no application fees, no retainers, and no surprises.
How long does an SBA loan take to close?
Business acquisitions typically close in 45 to 60 days from a complete application. SBA 7a and 504 loans involving real estate run closer to 75 days on average. Timelines vary based on the complexity of the transaction, third-party report turnaround times, and how quickly the borrower can provide documentation — but those ranges hold for most deals.
My bank turned me down. Can I still qualify?
Often, yes — but as with most things in SBA lending, it depends. One bank's decline doesn't mean the deal isn't doable. There are hundreds of active SBA lenders, and their appetites vary significantly by deal type, property type, industry, and borrower profile. What one lender won't touch, another actively pursues. A brief conversation is usually enough to determine whether another path exists.
What's the difference between an SBA 7a and an SBA 504?
The 7a is the more flexible of the two — it covers business acquisitions, working capital, partner buyouts, equipment, and commercial real estate, and can go up to 100% financing for qualifying borrowers. The 504 is specifically designed for owner-occupied commercial real estate and long-life equipment, with a minimum 10% down payment and a long-term fixed rate on the CDC portion. Some transactions work better as one or the other — and some can be structured using both. The SBA 7a page and the SBA 504 page cover each program in detail.
Do I need to come to your office?
No. Green Commercial Capital works with borrowers nationwide entirely remotely — by phone, email, and secure document sharing. There is no office visit required at any stage of the process.
Ready to Talk Through a Loan Scenario?
No forms required to start the conversation. A brief call is usually enough to determine whether an SBA loan makes sense and which program fits.
Send a Loan Inquiry Or call toll-free: 1-800-414-5285