Green Commercial Capital /
100 Percent Commercial Loans

sba 504


100 Percent Commercial Loans

100% Financing - Franchises, Independent Businesses, Medical

100 Percent commercial loans
are available for up to 10 to 15 years for existing businesses and franchise owners who are expanding to new locations where they will lease the location premises.

Medical practices (including dental, veterinary, physical therapy/rehabilitation and pharmacies) as well as successful franchises are evaluated differently than independent businesses in that lenders will allow the use of projections to decide if they qualify.

Existing independent businesses with one or more locations are underwritten "case by case" and can borrow to expand to new locations IF their current business is profitable enough to cashflow most of the loan for the new location.

100% Franchise Financing


Examples of eligible franchise businesses include, but are not limited to:


  • Domino's
  • Zaxby's
  • Sonic
  • Golden Corral
  • Jimmy Johns
  • Church's Chicken


  • Goddard Schools
  • Kiddie Academy
  • Primrose

Auto Repair and Care:

  • Midas
  • Meineke
  • Midas
  • Grease Monkey
  • Big O Tire
  • Jiffy Lube
  • Maaco
  • Aamco

Pet Boarding:

  • Dogtopia
  • Camp Bow Wow


Property Financing

If you need to finance commercial property for your business with no down payment, click here.

contact us to find out more!


100 Percent Loan Terms


The rates and terms available for these loans depend on the strengths of each transaction. The stronger the borrower/business, the better the terms.

Both fixed rates and floating rates are available. Best case scenario is a 10 year fixed for larger loans and very qualified borrowers. Next best is a 5 year fixed with a 15 year loan term where the rate adjusts once every 5 years at Prime + 2%. Worst case, is a floating rate that would adjust either yearly or quarterly at between Prime + 2% and Prime +2.75%.

These are SBA loans and at a minimum they require:

  • Good credit and credit scores
  • Strong, stable cash flow for existing businesses or a solid business plan and projections if a new location for an existing franchise or a medical practice
  • Additional collateral if available


100% loans for businesses in leased space are typically limited to 10 or 15 years. It is possible that if the loan is being used to finance a significant amount of "long-life" equipment that this could be extended.

  • These programs require a personal guarantee from all 20% or more owners
  • Terms of 10 years or less will have no prepayment penalty
  • Debt service coverage could be flexible depending on the type of business or practice
  • Most closing costs as well as the SBA loan fee are financeable

Please contact us at 1-800-414-5285 for more info re:100 percent commercial loans.

contact us to find out more!