Business & Investment
Commercial Real Estate Loans
We partner with brokers across the country to provide senior financing to businesses and commercial property investors.
Broker Referral Program
We paid out over $1.8 million in referral fees to our brokers and other referral sources in 2021, closing loans for more than 20,000 borrowers.
Earn fees on your closed SBA 504 and Conventional deals, paid directly by us as the lender. We offer volume-based incentives – the more you close, the more you earn. Added bonuses start after you hit $10 million in closed loans. Signing up is simple:
- Fill out our registration form.
- Review and sign our broker agreement.
- Reference our rate sheet to price your deal.
- Submit your deal.
- Close and earn.
Why Liberty SBF
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Direct lender
We provide senior financing to businesses and commercial property investors across the country, funding directly from our balance sheet.
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Certainty of execution
Our ability to source, structure and underwrite complex transactions is among the most reliable and proven in the industry.
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Trusted network
We maintain an extensive network of CRE professionals across the country to provide best-in-class management and service.
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Small-balance real estate expertise
We specialize in deals up to $15 million – assets that are generally too small for debt funds and institutional lenders. Over 25,000 loans totalling $2 billion closed to date.
Our Lending Platform
BUSINESS COMMERCIAL REAL ESTATE
SBA 504
$1 million - $15 million
- Low-cost, high leverage
financing for business real estate - Purchase, refinance, rehab, ground-up construction
- Up to 90% LTV
Conventional
$1 million - $10 million
- Perm financing for stabilized
business real estate assets - Purchase, refinance
- Up to 75% LTV
SBA 7a
$250,000 - $5 million
- High leverage financing
for eligible business uses - Commercial real estate acquisition,
working capital, equipment, debt
consolidation, business acquisition - Up to 90% LTV
Investment Commercial Real Estate
Bridge
Purchase, rehab or value-add, refinance, lease-up, interest reserve, bridge to Agency or SBA
Non-Recourse Floater
$5 million - $15 million
- Business plan financing to stabilize properties
- Some in-place cash flow required
- Up to 30% cash out for improvements
- Up to 80% LTC/LTV
Performance Bridge
$2 million - $10 million
- Flexible financing for quick close or
heavy lift properties - No required in-place cash flow
- Up to 50% of uses for
CapEx/construction - Up to 75% LTC/stabilized LTV
Review Our Latest Product & Pricing Guide
Check Out Our Recently Closed Deals
SBA-to-SBA Refinance
With rates rising multiple times in 2022 and 2023, thousands of floating rate SBA 7a borrowers will be hit with huge increases to their monthly payments. To moderate this risk, the SBA recently changed their guidelines and now allows SBA-to-SBA refinancing.
If your clients hold SBA 7a real estate loans, they may be eligible to refinance their floating rate debt with a low-cost, fixed-rate SBA 504 loan. These borrowers can potentially save tens of thousands of dollars on interest payments.
- Move from a risky, floating rate coupon to a long-term, fixed rate coupon.
- Lower overall interest rate to match the current SBA 504 25-year denture.
- Pull cash out for working capital – up to 20% of the property’s current appraised value.
- Most closing costs can be capitalized into the new SBA loan (leaving you with minimal out-of-pocket fees).
