Fast Pre-Qualifier
Zero-Down SBA Qualifier
Some SBA lenders offer zero-down financing for qualified buyers. Use this page to see if your scenario may fit typical lender criteria.
Quick qualification checklist
This checklist is educational and not a lending decision. Programs, underwriting, and terms vary by lender and borrower profile.
Common qualifying property categories include office, industrial, flex space, flex industrial, retail, automotive, medical, dental, contractor buildings, industrial condos, and warehouse owner-user opportunities.
Want to check your options with an SBA lender?
Share your info and we will connect you with a lender that can review your exact scenario.
Educational Resource: BuyingABuilding.com is not a lender, mortgage broker, or financial advisor. We provide education and help connect business owners with participating SBA-approved lenders.
Frequently asked questions
Is zero-down SBA financing real?
Some lenders offer zero-down SBA 7(a) financing for qualified borrowers on owner-occupied general-use properties. It is not guaranteed for every borrower.
What credit score is typically needed?
For this lender profile, minimum FICO is 700. Strong cash flow, operating history, and complete documentation also matter.
Does the SBA require 10% down on all deals?
SBA 504 commonly uses 10% down. SBA 7(a) down payment requirements vary by lender and deal profile.
Continue your research
Lease vs Buy Calculator
Compare monthly and 10-year totals before deciding.
Complete Buying Guide
Learn the process from first search to closing day.
SBA 504 vs 7(a)
Understand down payment and term differences.
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