By Trevor Damyan, Commercial Mortgage Broker at Commercial Lending Solutions
A $3 million SBA 504 owner-user real estate acquisition in California is one of the most leveraged executions available to small business owners purchasing their own commercial real estate. The 504 structure layers a 50 percent bank first mortgage with a 40 percent CDC second lien at the SBA debenture rate plus 10 percent borrower down payment.
Get a Quote on Your $3M Deal →$3M SBA 504 owner-user acquisitions consist of bank first mortgage, CDC second lien, and borrower equity.
Pricing reflects active CLS CRE quote pipeline as of April 2026. Specific deal pricing depends on sponsor, property, and structure.
Typical $3M California SBA 504 sponsors are mid-market California operators (manufacturing, distribution, professional services, healthcare) transitioning from leased to owned facilities. California SBA volume is among the highest in the country.
On a $3.2M owner-user industrial acquisition in a Los Angeles County market, the buyer was a 14-employee specialty manufacturer transitioning from a leased facility to ownership. SBA 504 at 90 percent LTC with $300K borrower equity from retained earnings.
Anonymized. All deal references protect borrower and lender identity.
Tell us about your transaction. We will run it past lenders that actively fund this size and product type and send back terms within 48 hours.
Apply for Financing →