Commercial Loan Guide

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Your Comprehensive Guide to Commercial Loans with Enterprise America

Understanding commercial loans can be complex, but we’re here to simplify it for you. This guide covers everything you need to know about the loan products and terms offered by Enterprise America.

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Loan Products

SBA Loans

SBA 7a: "Ideal for small businesses looking to grow. Loan amounts range from $250,000 to $5 million. Down payment can be as low as 0% for special use properties."

SBA 504: "Great for larger projects exceeding $5 million. Down payment typically ranges from 15-20%."

USDA: "Perfect for properties in rural locations. These loans can exceed the $5 million limit."

Conventional Loans

"Provided by banks and direct lenders, these loans require a direct guarantee from the borrower. Down payment is typically 25-35%."

Non-recourse Loans

"Available primarily for refinances of A+ quality properties over $2 million. These loans do not require a personal guarantee but will require a 'sponsor'."

1

Loan Amount

Varies based on the loan product. Typically, our loan amounts range from $1-25 million.
2

Interest Rate

SBA Loan: Prime +2%
Conventional: Prime +0.5%
Non-recourse: Prime -1%
3

Loan Term

25 Years for deals involving real estate.
10 Years for non-real estate deals.
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Other Terms

We aim to remove all pre-payment penalties except for SBA deals where it's required. The borrower is subject to pay any origination fee or other fees required to close the loan.

Why Choose Enterprise America Inc.?

98% Approval Rates

Creative Financing

Competitive Rates

Fast Turnaround (30-90 days)

Low Down Payment

Contact us

Get in touch for any kind of help and informations!

Head office address:

12222 Merit Drive Suite #1870 Dallas, Texas 75251

Mail for information:

hpark@useai.com

Call for help:

+214-667-7202

Have questions or ready to explore our loan options?