Your Cash-Constrained Client
May Qualify for Zero Down.
Most CRE brokers have never heard of zero-down SBA 7(a) financing for owner-occupied commercial real estate. We educate your clients on how it works — and you earn a referral fee when they close.
We are an educational resource. We connect buyers with SBA lenders. We are not a lender or broker.
Zero Down SBA Financing Is Real — and Your Clients Don't Know It Exists
The SBA does not set a mandatory down payment for 7(a) loans. Individual lenders set their own requirements — and some lenders offer 100% financing for qualified buyers of owner-occupied commercial property.
Educational note: Zero-down SBA 7(a) financing is available from select lenders for general-use, owner-occupied commercial properties where the borrower has strong credit (650+), two or more years in business, and healthy cash flow. Not all borrowers or property types qualify. Our guides explain the full eligibility picture — share them with your clients so they arrive at the lender conversation informed.
Why CRE Professionals Partner With Us
We built this for brokers who want to close more deals and add value to clients who thought buying was out of reach.
Your Client Stays Yours
We are an educational resource, not a lender or broker. We connect your clients with SBA lenders — you stay their trusted real estate advisor, always.
Close Deals You Thought Were Dead
Most CRE brokers don't know zero-down SBA 7(a) financing exists for qualified buyers. Your cash-constrained client may be able to close with no money down.
Referral Fee at Closing
When your client connects with an SBA lender through our platform and closes, you earn a referral fee. No minimums, no exclusivity required.
Educate Your Clients
Share our free guides and calculators with clients who are on the fence about buying. An educated buyer is a motivated buyer — and a closed deal for you.
Share These With Your Clients
An educated buyer closes faster. Send your client to these free tools — they'll understand their options before they ever talk to a lender.
What Deals Qualify?
Our ideal referral profile. If your deal fits, we can likely connect your client with an SBA lender.
- Business owner buying the building their company operates in (51%+ owner-occupied)
- Purchase price typically $500K–$10M+
- Business has been operating 2+ years
- Borrower credit score 650+
- General-use property: office, warehouse, medical, dental, retail, restaurant, manufacturing
- Buyer needs SBA 504 or 7(a) financing — including potential zero-down options
Zero down may be available — Even if your client has no down payment, they may still qualify for SBA 7(a) financing through select lenders. This is often the difference between a dead deal and a closed one.
Register as a Partner
Tell us about yourself and optionally a deal you have in mind. We'll follow up within one business day to discuss the referral program.
Partner FAQ
What is zero-down SBA financing and does it really exist?
Yes — some SBA 7(a) lenders offer 100% financing for qualified borrowers purchasing general-use, owner-occupied commercial real estate. The SBA itself does not set a down payment requirement; individual lenders do. Certain lenders have programs that allow zero down for strong borrowers. We educate your clients on how this works and connect them with lenders who offer it.
How does the referral fee work?
When you refer a client through our platform and they connect with an SBA lender who closes their loan, you earn a referral fee at closing. Specific amounts are discussed when you register. We facilitate the lender connection — the lender handles the loan.
Will you or the lender approach my client about other business?
We are an educational resource. We connect clients with SBA lenders for building purchases only. We do not sell, broker, or solicit any other products or services.
My client doesn't know what SBA means. Is that a problem?
That's exactly who this site is built for. Our guides explain SBA financing in plain English for business owners who just know they want to buy their building. Send them here first — they'll arrive educated and motivated.
What if my client doesn't qualify for zero down?
SBA 504 loans typically require only 10% down — versus 25–30% for conventional commercial loans. Even if zero down isn't available, SBA financing is likely still the best option for your client.
BuyingABuilding.com is an educational resource. We are not a lender, mortgage broker, or financial advisor. Referral fee arrangements are between partners and the participating SBA lender, not with this website.