Top 5 SBA 504 Myths Exposed

Posted on February 8, 2021January 3, 2022 by kunallibertysbf

Many business owners have the idea that Small Business Administration loans are difficult to get, take a long time to close, and they’re not worth the effort. This misunderstanding comes mainly from borrowers who went through the process with lenders that do not make SBA 504 loans regularly who get tripped up by loan regulations and procedures they’re unfamiliar with. They don’t understand the loan process and infrequently work with the SBA, causing undo difficulties.

A preferred lender like Liberty SBF can guide borrowers through the process seamlessly and we know how to anticipate problems before they come up. We’ve heard all the reasons why small business owners shy away from going with an SBA 504 loan. Below we dispel the most common myths.

TOP 5 SBA 504 Myths

1. Too Long and Cumbersome

This is probably the most common misconception about SBA 504 loans. Much of it comes from the fact that the SBA requires a lot of documents from the business owner. Loan processors at Liberty SBF know exactly what is needed to underwrite the loan, usually the same exact documentation required by a conventional commercial property loan. As a preferred lender, we know exactly how to structure a loan package. We work with all parties to expedite the loan to closing quickly and efficiently.

2. Property Needs to be 100% Occupied by Owner

SBA 504 loans are more flexible in occupancy requirements than you might think. Most borrowers think they have to occupy the entirety of the property’s square footage to qualify. And while most small businesses will, there are cases where a portion of the property is rented out. In order to qualify for an SBA 504 loan, the business must occupy at least 51% of the property, leaving the rets to be leased out to another business giving the owner another source of revenue.

3. It’s Only for Mom & Pops or Startups

Actually, it’s the opposite. While many Mom & Pop type business can get an SBA 504 loan, most of these businesses are middle or larger sized companies with multiple employees. From Main Street to Middle America, small businesses across the country can get an SBA 504 loan. Liberty SBF frequently funds SBA 504 loans anywhere from $1 to $10 million in industries as varied as assisted living facilities and warehouses to self-storage facilities and schools.

4. It’s a Loan of Last Resort

Many people think that after a borrower has been turned down by for a bank loan they have to go to the government with hat in hands for a loan as a last resort. Again, for most small businesses this is the exact opposite of what should happen. Any business owner with good credit and at least three year’s operating history should apply for an SBA 504 loan first when purchasing a commercial property. The terms are much more favorable than any other small business loan you will find anywhere. Low, long term rates and up to 90% loan-to-value help small business owners save cash for operating expenses.

5. SBA Lends the Money

The Federal Government does not put up the money for an SBA 504 loan, so the taxpayers do not fund small businesses who want to purchase a property. An SBA 504 loan has three parts. If you’ve ever taken a home mortgage and a home equity loan, then you can easily understand how an SBA 504 loan works and how it can provide up to 90% LTV financing. A first lien loan of 50% LTV is provided by a bank or a direct non-bank lender like Liberty SBF. The second lien of up to 40% is provided by a secondary institution called a Certified Development Company (CDC). A CDC is a non-profit certified and regulated by the SBA that promotes economic development within their communities, which includes funding second lien SBA 504 loans. While the money is not provided by the SBA, the CDC portion of SBA 504 loans are guaranteed by the U.S. Government. CDCs work together with participating lenders Like Liberty SBF. Since the SBA 504 loan program launched in 1958 it has been self-funded and hasn’t cost the taxpayers any money in its mission to help U.S. small business owners grow their businesses.

Liberty Small Business Financial Authorized SBA 504 Lender

Liberty SBF is a mission-based lender that provides capital through the SBA programs at a low cost to borrowers. Since its inception ten years ago, Liberty SBF has participated in more than $2 billion in transactions involving SBA programs.

Are you looking for an SBA 504 loan? Begin your loan application with Liberty SBF today!

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SBA 504 Borrowers: Get 6 Months of Payment Forgiveness Through Covid-19 Relief Act

Posted on January 20, 2021March 24, 2022 by kunallibertysbf

The Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act) provides $3.5 billion in additional Covid-19 relief, some of which is authorized for use through the SBA 504 loan program for both existing borrowers and on newly originated loans to help small business owners during the pandemic.

New SBA 504 Loan Relief

The SBA 504 Loan has been made even more attractive to new small business borrowers. For all loans approved from February 1 until September 30, 2021, the SBA will subsidize the first 6 months of principal, interest, and any associated fees starting with the first payment. Borrowers need not apply for this assistance. The SBA provides this assistance automatically and is capped at $9,000 per loan per month.

Relief for 2020 SBA 504 Borrowers

The Small Business Administration was authorized by the Economic Aid Act to pay 6 months of principal, interest, and any associated fees that borrowers owe for all 504 loans approved up to September 27, 2020 even if not fully disbursed and existing loans that are in in regular servicing status.

SBA 504 Loan NOT Eligible for Relief

According to SBA guidance, unfortunately, loans approved during the period beginning on September 28, 2020 and ending on January 31, 2021 are not eligible to receive any payment relief.

Apply for an SBA 504 loan

SBA Fees Eliminated

Alejandro Buitrago, Vice President and Business Development Officer at Florida First Capital Finance Corporation has been parsing through the new legislation. According to Buitrago, for any SBA 504 Loans approved between December 27, 2020 and September 30, 2021; the following fees will be eliminated:

5% of the 1st Mortgage (aka TPL Fee)
5% of the Interim Loan (aka CDC Processing Fee in the debenture)

To illustrate, here is what fees would be eliminated on a standard $1,000,000 Project being financed at 90%

Fee Elimination 1st Mortgage: $2,500
Fee Elimination Interim Loan: $6,000
Total Fee Elimination: $8,500

Some debenture fees remain in the equivalent of 1.15% of the Interim Loan In the above scenario the SBA Debenture Fees would total: $4,600, reducing the SBA Fees from $13,100 to $4,600 on a $1,000,000 project, a 65% decrease in costs.

Apply for an SBA 504 loan.

Liberty SBF is Your Connection to SBA

Covid-19 is still adversely affecting thousands of small businesses across the country and the SBA’s lending programs are key tools in the Federal Government’s economic stimulus efforts. Liberty SBF, one of the largest SBA 504 lenders in the country, is helping small businesses connect with the SBA to take advantage of stimulus relief through Paycheck Protection Program and the SBA 504 loans.

Small business owners positioned to acquire a new property to expand their businesses right now need to finance their expansion through the SBA 504 loan program, which already offers the best terms for borrowers out of any commercial property loan: low, long-term rates starting at 3.99%, with up to 90% loan-to-value financing. Small business owners who already operate out of their own commercial property can tap into their equity at similarly favorable terms through an SBA 504 refinance. Both borrowers will get to take advantage of new SBA 504 loan relief in the Economic Aid Act.

As always, please refer to SBA Procedural Notice 5000-20079 for complete guidance on SBA 504 loan relief in 2021.

Contact Liberty SBF about SBA 504 loans.

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We never stopped lending! Liberty SBF closes $350 million in loans in first half of 2020.

Posted on September 8, 2020 by kunallibertysbf

Liberty SBF Holdings LLC, a small balance commercial real estate lender, is excited to announce it has closed $350 million in loans in the first half of 2020. The company, which provides SBA and conventional loans for industrial, storage, office, and healthcare properties, is now relaunching its bridge lending platform to provide short-term financing for multifamily and commercial properties from $1-$10 million.

“Liberty SBF took a disciplined credit approach during the last cycle,” said Alexander Cohen, CEO. “When COVID-19 hit in March we avoided margin calls and poor asset performance, which sidelined other lenders, and we were able to execute for our borrowers and referral sources through the first half of the year.”

The company also announced it has promoted Varan Rakhra to lead its national loan origination efforts as Director of Sales & Business Development. Mr. Rakhra’s team of lenders is eager to consider opportunities nationwide.

“Borrowers want to capitalize on historically low rates and they want to acquire properties at discounted prices,” said Mr. Rakhra. “Liberty SBF never stopped lending so we can provide capital right now.”

Liberty SBF Commercial Property Loan Funding

Liberty Small Business Financial provides up to 90 percent loan to value (LTV) financing through the SBA 504 program. SBA rates have dropped to historic lows, recently touching 2.25% for a 25-year fixed rate. For investors seeking bridge loans, Liberty SBF provides financing up to 65% LTV. Liberty is writing loans from $1 to $10 million. Hospitality properties are not currently eligible for loans through Liberty SBF.

Liberty SBF was founded in 2011 and has closed more than $1 billion in commercial real estate loans since its inception nearly 10 years ago.

Backed by some of the nation’s leading private equity firms, Liberty SBF has an innovative platform incorporating predictive intelligence and superior technology. For more information, visit LibertySBF.com.

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What Does “Owner-Occupied” Mean in Commercial Real Estate?

Posted on September 7, 2020May 26, 2022 by kunallibertysbf

The concept of owner-occupied commercial real estate – also known as owner-user commercial real estate – is key to understanding lending options to finance a new property for a business. The financial upsides of owning versus renting are many. An owner will build equity with every mortgage payment and asset appreciation increases value in the property over time.

But, just running a business out of a property does not automatically make it eligible for SBA 504 financing from Liberty SBF. In addition, the owner must occupy more than half—51% or more—of the building’s leasable space for the purposes of running their own business. A business that has the same ownership as a holding company that owns the property is also considered owner-occupied.

In this case, the borrower is eligible for a US government-backed SBA 504 loan that gives you access to better financing than any other option.

But what happens if you still need a loan but do not expect to occupy more than half of the available square footage of the commercial property

Liberty SBF’s Conventional loan is a great alternative. Our Conventional loans allow occupancy of the borrower’s business to be as little as 30% of the total square footage of the commercial property.

Asset types that qualify for owner-occupied financing include industrial buildings, flex, retail, office properties, and professional medical offices.

Special-use properties such as self-storage, assisted living facilities/skilled nursing facilities and other healthcare properties, day care, sports facilities, and event centers also qualify. A multifamily property is not eligible for owner-occupied financing, but mixed-use buildings and hotels do qualify. Learn more about hotel property loans.

In 2010, the SBA deemed some businesses with rental income – also called passive income – eligible for its programs. This gave self-storage operators the opportunity to take advantage of the SBA 504 loan’s many benefits. Read more about self-storage facility financing.

The SBA 504 loan provides small businesses that will be owner-occupiers access to the same type of long-term, fixed-rate financing enjoyed by larger firms. Interest rates are equivalent to favorable bond market rates. You qualify for the loan program when you have sufficient liquidity and net worth, and plan to occupy more than 51% of the facility you are purchasing for SBA 504 loans or 30% for Conventional financing.

As an owner-user, you are considered to be a lower risk for the lender, who is assured that you will be committed to the property both as landlord and as chief occupant.

Liberty SBF is a specialist in SBA 504 and Conventional loans. We believe that our owner-occupied loan programs have advantages that no other loan can equal, including:

Up to 90% LTV (loan-to-value ratio) financing,
Low fixed rates, and
Terms up to 25-years

Interest rates are low today, and now is the time to lock in your fixed-rate commercial real estate loan. When you work with an experienced lender like Liberty SBF, you can be confident that we will anticipate any problems and help you overcome any potential obstacles.

We can get the job done in 45 days or less. Contact us today.

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10 Articles About CRE From Liberty SBF

Posted on August 7, 2019 by kunallibertysbf

Get Your Quote

Liberty SBF has become a thought leader in commercial real estate finance with articles published online and in major industry media outlets. Below are 10 articles published by Liberty SBF or in influential publications with the company’s input.

1) Non-Bank Lending Is the Solution for Small Business CRE Loans

Strong demand for capital in the commercial real estate sector is expected to continue for the foreseeable future. Historically low interest rates, a robust economy, and strong employment numbers are boosting a surge in CRE demand across the country. People might assume that all commercial real estate lenders are alike, but there are many types of financial institutions that work with CRE borrowers.

What is a non-bank lender and how is it different?

2) Think Retail is Dead? Think Again!

Despite what you might be hearing in the news, in today’s strong economy, retail trade continues to grow. April 2019 saw a year-over-year 3.1 percent increase in US retail sales.

Find out how business owners can thrive in the new retail ecosystem especially with an SBA 504 loan.

3) Green Office Properties & the SBA 504 Loan

When you acquire a green office property you can help protect the natural environment, have a healthier workplace, and take advantage of the special SBA 504 Green loan program, when the office property you are purchasing meets certain environmental standards.

Find out advantage of SBA 504 financing for office properties here.

4) Loan Interest Rates for Dummies (and the Rest of Us)

We spend a lot of time talking about interest rates because they affect so much of our lives. On a personal level, they govern the cost of our mortgage, our credit card bill and our car payment. In business, they affect our ability to grow and expand, to invest in new equipment, and to purchase commercial real estate.

But how well do we really understand interest rates? Where do they come from? What do they mean, and how can we make smart financial decisions based on our expectations for future interest rates?

Click here to find out more about interest rates.

5) Characteristics of an Industrial Real Estate Hot Spot

Over the past few years there has been a revitalization of the industrial sector, driven primarily by e-commerce retailers looking for warehouse space that meets their specific needs.

On paper, that looks like decreased industrial vacancy and increased rents. What really makes an industrial hot spot in different regions?

Click here to see what makes an industrial hot spot.

6) The Interim Second – a Critical Element of Every SBA 504 Loan

If you’re familiar with SBA 504 loans, you’re likely at least familiar with the term “interim second.” But there’s also a good chance that you may not fully understand what an interim second is, and how critical it is to SBA 504 financing.

Click here to learn more about Interim Seconds for SBA 504 loans.

7) What a 25-Year Term on SBA 504 Loans Means for Business Owners

Last year, the SBA made the first major change to its 504 loan program in over 30 years: It added a 25-year term. Now, businesses owners applying for a SBA 504 loan can choose from a 10-, 20- or 25-year debenture. What’s different about a 25-Year SBA 504 loan?

Click here to find out.

8) Scale the Multifamily Mountain with a Bridge Loan

When your multifamily property deal needs to close before your agency loan is approved. When this happens, having a strong bridge lender on speed dial can make a commercial mortgage broker look like a hero to their client.

Find out more about bridge lending for multifamily here.

9) Spotlight on Self-Storage: What’s all the Buzz About?

This asset class may not exude the glamour of a shiny downtown office tower, but self-storage assets have for a long time been the unsung heroes of commercial real estate investments. People are talking more and more about self-storage.

Read why here.

10) Hotel Financing With the SBA 504 Loan Program

The US hotel industry saw another record year in 2018, reaching absolute values that were the highest ever benchmarked. A 10th consecutive year of growth is predicted for 2019, according to CBRE Hotels Americas Research. As experienced lenders, we are convinced that the best, most cost-effective solution is to finance your hotel is with an SBA 504 loan.

In this article, we will walk you through today’s peak hotel market, as well as recent changes that affect SBA 504 loans.

Get Your Deal Quoted!

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Business Owners Can Thrive in the New Retail Ecosystem

Posted on July 15, 2019 by kunallibertysbf

Despite what you might be hearing in the news, in today’s strong economy, retail trade continues to grow. April 2019 saw a year-over-year 3.1 percent increase in US retail sales. Despite the convenience of ecommerce, in-store shopping remains dominant. Sixty-four percent of Americans today are shopping in-store vs. 36 percent shopping online. Shopping in stores accounted for 85.7 percent of retail sales in 2018. Most consumers still enjoy and value the physical shopping experience, where they can see, hold, touch, and try on merchandise before buying.

Ecommerce famously has had a negative impact on stores and shopping malls, and many observers hold ecommerce chiefly responsible for the numerous store closures and downsizing of the past few years. The challenges ecommerce presents to real estate are complicated. However, we discern potential areas for growth in the retail CRE sector, especially for owner-users. Commercial real estate pundits who predict doom, gloom, and the eventual loss of retail assets’ value may be blinding themselves to today’s opportunities.

Mixed-use properties

Mixed-use properties are particularly well suited to these changing times. Retail owners have by now pruned their dead or dying properties and changed their focus to higher-growth retail and mixed-use projects (retaildive.com). The owner/user model, where the owner’s business occupies at least 51 percent of the net rentable square footage of a property, is eligible for advantageous SBA 504 loans. The commercial and residential combination is common for SBA-accepted properties, e.g., a retail business below and rental apartments above.

An SBA 504 loan we recently arranged for the acquisition of a mixed-use, three-story retail/residential building in Brooklyn, New York, is a good example. The buyer, Brooklyn Brokerage, is an independent Insurance agency that will occupy the ground-floor commercial unit and a second-floor apartment unit for the business, and lease a third-floor apartment unit for additional income from the property. this type of small storefront building with apartments above and retail below is a common sight in New York City. The commercial ground floor usually occupies less square footage than the residential portion above. Urban infill markets with walkable retail such as the property described above, offer generally stable opportunities, especially when they are well well-maintained, and storefronts are visible from the street.

“Total Commerce”

As retail evolves at a rapid pace, shopping today is an anytime, anywhere, 24/7 activity. The boundaries between brick-and-mortar stores and e-commerce are blurring for general merchandisers. No longer this-or-that, either/or, it is one, total commerce ecosystem, and smart retailers will keep up with the trend. “The message needs to be: This is how consumers are choosing to shop. We need to be there in whatever way they want us to be,” according to cnbc.com.

Many online retailers are now finding it profitable to open brick-and-mortar outposts that complement and facilitate their online sales and deliveries. As these sellers scale up, the move from “click to brick” is necessary for continued growth. Digital native brands will open approximately 850 physical stores over the next five years, according to a report by JLL on more than 100 top online retailers. Amazon’s acquisition of Whole Foods is part of this trend, as well as its physical retail sites Amazon Books, Amazon Go, AmazonFresh Pickup, Amazon Pop-Up stores, and Amazon Hubs for package pick-ups and drop-offs, with plans to open hundreds more. A recent study by ICSC indicated that when native online retailers open brick-and-mortar stores, they experience a 45 percent increase in online traffic in that market area.

Further timely investment opportunities are emerging from the repurposing of abandoned big box stores and retail malls to create spaces for ecommerce warehousing and fulfillment operations.

Service Retail

Retailers know that one key to differentiating their businesses and attracting new and loyal customers is to deliver superior customer service, beginning with the first-time potential buyers walk in to their stores. The key is to develop a relationship with the buyer that will translate into repeat business and word-of-mouth referrals. Service retail will never go out of style, but it is evolving in line with today’s market conditions. According to retaildive.com, store closures have peaked by now, and physical retailers are going all out to compete by reinvesting in their stores.

The retail-as-a-service concept has expanded to experience-driven retail that creates an attractive, even entertaining atmosphere that fosters a sense of social community. Retail Prophet CEO Doug Stephens has define the concept as “hosting brands in a space that is curating that space in a very particular way, employing great design, creating great online content,” as well as great staffing, merchandising and analytics. For example, the online furniture retailer Wayfair is opening a store with showrooms and displays that will include interior designers to help customers make choices (Bloomberg.com). Other owner-users are converting industrial-type properties, such as abandoned big box stores, into mixed-use office and ecommerce fulfillment centers.

Retail innovations

Retailers are experimenting with technology, location size and various customer services. In line with the function of stores meeting consumers’ desire to see, hold and touch a product before buying, the retail chain b8ta’s 15 stores, plus one in Macy’s in New York City, serve as presentation centers for consumer electronics and other innovative products. Some chain retailers are downsizing their stores, including Ikea and Nike. The Nike Live concept has localized products and an intimate feel, with an emphasis on mobile technology and tie-ins for NikePlus members.

Another great example: Nordstrom was losing traffic in its department stores due to the popularity of its online sales. It is expanding its service-hub Nordstrom Local concept that combines several of its most popular or highly demanded services under one roof to serve customers in their own local markets. The boutique stores have no inventory; customers can pick up online orders. “Local” isn’t a mini-Nordstrom store; according to forbes.com, it’s “a wholly new offering seeking to meet customers where they [a]re in a remarkable, intensely customer relevant way.”

Financing

Brick-and-mortar retail properties continue to evolve in many ways, and, we believe, will offer more and more options for investors. When it comes to financing mixed-use properties with retail components, the SBA 504 program has advantages that no other can equal, including 90 percent LTV (loan-to-value ratio) financing, a low fixed rate, and up to 25-year terms. We specialize in helping borrowers though the SBA 504 loan process to ensure success. When you work with an experienced SBA lender like Liberty SBF, you can be confident that we will anticipate any problems and help you overcome any potential obstacles.

Interest rates are low, and now is the time to lock in your fixed-rate SBA 504 loan. Contact Liberty SBF, and we can get the job done in 45 days or less.

Email info@i.libertysbf.com or call (213) 297-5747.

You can also connect with Liberty SBF on LinkedIn

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News Roundup: Politics & CRE, a Self-Storage Boom and Soaring Demand for Small-Business Lending

Posted on November 2, 2018 by kunallibertysbf

The Latest Commercial Real Estate News From Liberty SBF

Political Races for Commercial Real Estate Pros to Watch

As America heads to the ballot box tomorrow to decide the makeup of Congress for the next two years, Commercial Observer put together a list of races whose outcomes will have a direct effect on commercial real estate markets. Take a look, then keep a slightly more informed eye on results tomorrow evening.

Liberty Provides More than $14.2 Million in Health Care Financing in 2018

Recently, Liberty provided $1.2 million in financing for a medical facility in Miami, FL. That brings SBA 504 health care facility financing totals to over $14 million for 2018 alone.

Self-Storage Is Booming – and NOLA Is Leading the Way

The self-storage industry has outpaced the broader economy, growing 4.5% annually in recent years, and adding $4 billion in new storage spaces over the last year. And nowhere is that boom more obvious than in New Orleans, where more than 1 million sq. ft. of self-storage space is currently under construction.

REITs Outperform the Market

Ever-positive analysts have had to break out their euphemisms for stock market losses over the past few weeks, some even admitting that we may be seeing the early stages of a “correction.” But, despite that “volatility,” Bisnow reports that REITs have been outperforming the rest of the market, painting a positive picture for at least one sector.

Liberty Provides $23+ Million in Financing to Projects in California

Liberty is a nationwide provider of SBA 504 loans, but over the last two years, we’ve financed more than $23 million for projects in the state of California alone, including projects in Newport Beach, Imperial, San Diego and Riverside.

Small Business Lending Demand Up Significantly

The conclusion from the latest Thomson Reuters / PayNet Small Business Lending Index? Small businesses are doing well, and are under low financial stress. As a result, they’re investing in growth, driving demand for small business loans up 16% from last year.

How Can We Help You?

Liberty SBF is the #1 ranked non-bank SBA 504 lender by volume in the country. We offer personal service for SBA 504, bridge and conventional loans. We’d love to help you.

Let’s Talk.

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News Roundup: Optimistic Small Business Owners, E-Commerce Pushes Demand for Industrial and CRE Investment up $10+ Billion

Posted on October 3, 2018 by kunallibertysbf

Small Business Owners Are More Optimistic Than Ever

Small Business Owners Being Optimistic

For 45 years, the NFIB has been surveying small business owners. In August, they reported being more optimistic about the future than they ever have been in the history of the survey. The previous high-optimism mark came in 1983, when a new Dodge Ram cost $5,665, Regan was president and a 2bd townhouse in Chicago would run you about $47,000.

E-Commerce Takes Over Former Industrial Spaces

Warehouse Workers in an eCommerce Warehouse

Leaving our homes to buy things is so last decade. And as we become increasingly reliant on e-commerce, The New York Times reports that industrial space is in hot demand, and much of it is being converted from manufacturing to distribution centers. The most valuable properties offer easy access to large metropolitan areas and major transportation arteries.

Liberty Closes $34.6 Million in SBA 504 Industrial Loans

A warehouse financed through SBA 504 small business financing.

Over the past 24 months, Liberty has provided nearly $35 million in SBA 504 financing for strategically located warehouses. These transactions range from a $1.7 million warehouse in Riverside, CA, offering easy access to the LA Metro area, to an $11 million warehouse near Bristol, PA, that’s within an hour’s drive of both the New York and Philadelphia metros.

Q2 CRE Investments Up $10+ Billion

Q2 CRE investments are up significantly.

New data from Real Capital Analytics suggests that the commercial real estate investment volume is up 9.1% from the first quarter of 2018. This growth was led by the Western U.S., which posted $32.2 billion in Q2 activity.

Liberty Wraps Up $16.5 Million in Office Space SBA 504 Loans

SBA 504 Financed Office Buildings

The closing of a $5.4 million office building in Newport Beach, CA, marks a cumulative $16.5 million in office space acquisitions through Liberty-led SBA 504 loans over the past two years.

The Cases For and Against “Previewing” Real Estate Listings

Pocket listings are nothing new to real estate, but a new plan for sneak-peek marketing from a New York brokerage is reigniting the debate. And while commercial listings land outside the MLS, it’s worth thinking about ways that pre-release marketing could help (or hurt) buyers, sellers and brokers.

How Can We Help You?

Liberty SBF is the #1 ranked non-bank SBA 504 lender in the country. We offer personal service for SBA 504, bridge and conventional loans. We’d love to help you.

Let’s Talk.

Tag: Small Business