What size does this desk work?

SBA is a search chip. Combined 7(a) and 504 to $10 million. If both are used, CRE and hotel from $10 million and up with cash in about 35 percent. Originator tapes from $100 million a month. Factoring from $20 million a month.

Published: March 31, 2026·Last updated: September 7, 2026·By Ed Freeman, Capital Advisor. PeerSense

What is the best financing for industrial at 90 percent on 504. 65 percent on conventional CRE. LTV?

An $8 million plant you occupy. 504 is $4 million bank, $3.2 million CDC, $800,000 in. Occupy 51 percent plus. Full personal guaranty. That is the 10 percent down story. If you already used 7(a) and 504, do not send that file for another 90 percent. July 4 opened combined 7(a) and 504 to $10 million. If both are used, the next stack is conventional or conduit from $10 million with cash in about 35 percent. Talk to PeerSense.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder

Prime: 6.75% 10-Yr Treasury: 4.78% Est. SBA 504 Range: Follows the bookas of Sep 7, 2026

Industrial

Industrial owner occupied plant. 504 is 90 percent.

Minimum 30-35% equity required. Operators occupying 51 percent plus of the plant, with 7(a) or 504 still open, or $10 million plus CRE with cash in about 35 percent.

Talk to PeerSense Call (317) 452-6990

KEY TERMS

Deal Parameters at a Glance

LTV Target

90 percent on 504. 65 percent on conventional CRE.

Est. Rate Range

Follows the book

Term

Follows the book

Recourse

Full personal guaranty on 504

DSCR

Lender underwrites

Closing Speed

Follows the book. No 5 day close.

Min Loan Size

$10 million and up

Loan Products

SBA 504, Conventional

Indicative only, as of September 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.

FIT ASSESSMENT

When Is This the Right Fit?

Use this page when a 90 percent industrial search lands. 504 is the 10 percent down story on the plant you occupy. If both 7(a) and 504 are already used, the next stack is conventional or conduit from $10 million with cash in about 35 percent.

Want the full program overview, current rate sheet, and underwriting matrix? See the SBA Loans guide →

ADVANTAGES

Key Benefits

An $8 million plant you occupy. 504 is $4 million bank, $3.2 million CDC, $800,000 in. Occupy 51 percent plus. Full personal guaranty. That is the 10 percent down story.

If you already used 7(a) and 504, do not send that file for another 90 percent. July 4 opened combined 7(a) and 504 to $10 million. If both are used, the next stack is conventional or conduit from $10 million with cash in about 35 percent.

Occupy 51 percent plus. Full personal guaranty.

Talk to PeerSense

ALTERNATIVES

Strategic Alternatives

SBA Loans

Search chip. Combined 7(a) and 504 to $10 million.

Learn more

CMBS

If both SBA programs are used. $10 million plus, cash in about 35 percent.

Learn more

Bridge

Name the takeout first. $10 million plus.

Learn more

Frequently Asked Questions

Yes. Bank 50, CDC 40, you 10. Occupy 51 percent plus. Full personal guaranty. Talk to PeerSense.

See Related Rates by Program

PeerSense covers the full commercial capital stack. Indicative levels that lenders in our network have been pricing across these programs, as of September 1, 2026.

Originator warehouse

$100M a month

Focus $100 million a month. Will look at $10 million a month. $10 million is not the focus.

See current rates

Invoice Factoring

0.5–3.5% / 30d

B2B invoices from $20 million a month. Advance 80 to 95 percent of face.

See current rates

CMBS Conduit

5.60–7.10%

10 year Non Recourse fixed, $10 million and up, fully assumable

See current rates

Bridge Loans

9.00–14.00%

$10 million and up. Cash in about 35 percent. Name the takeout first.

See current rates

Data Center

CRS to 89%

$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.

See current rates

Contracted revenue sale

Up to 89%

15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.

See current rates

Hotel Financing

Hotel is search only. Public floor $10 million and up. Cash in about 35 percent.

See current rates

Private Credit

7.80–18.00%

Non-bank flexibility. Public CRE floor $10 million and up.

See current rates

DSCR Investor

Search path. Public CRE floor $10 million and up.

See current rates

Connect with PeerSense, Direct Capital Advisory

PeerSense pre-underwrites every deal before presenting it to our institutional capital sources. With a curated network of lender relationships and live market rate intelligence, we match your industrial deal with the right capital source, right now.

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Fee at closing only · Complimentary initial consultation

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated September 2026.

Disclaimer: The information on this page is provided for educational purposes only and does not constitute financial, legal, or investment advice. Rates, terms, and availability are subject to change based on market conditions, property characteristics, and borrower qualifications. The rate ranges cited reflect approximate market pricing as of September 2026 and may not reflect current conditions at the time of reading. PeerSense sources capital through a curated network of commercial lenders and capital sources. All financing is provided by third-party lenders subject to their own underwriting criteria and approval processes. Borrowers should consult with qualified financial and legal professionals before making any financing decisions.