Using unrelated property outside the deal for equity in an SBA acquisition

February 21, 2025

by a searcher from Georgetown University - The McDonough School of Business in Charlotte, NC, USA

I'm looking for a lender that could put a 2nd lien on a separate property or equity recapture to use as the equity portion for an SBA7a purchase of a business. I have lenders that can do each individually, but not jointly.

I'm looking for TX, NC, and southeast USA for this. I'd love to connect

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Reply by a lender
in Ponte Vedra Beach, FL 32082, USA

^redacted‌ I would be happy to have a more in depth conversation about your goal here. I have been able to provide a cash out refinance on owner occupied CRE for one entity to use the cash out portion as equity towards another companies project. Often though the 2nd lien positions on outside owned real estate is utilized for collateral purposes and not to replace an equity injection, I would need to understand the project to advise on what options are available for structure. Please feel comfortable reaching out anytime my cell is###-###-#### , my email is redacted or the best option is scheduling directly via my Calendly link below; https://calendly.com/bturner-thebancorp/45min

Reply by a lender
from University of Southern California in Los Angeles, CA, USA

The easiest way to get this done is via a heloc vs having an sba lender do this. Is there a specific reason you want the same lender to do both. If you are able to use a heloc to reduce equity in property below 25% then no lien will be taken by the sba lender. The rate on heloc is lower as well and this way you can sell the real estate without restrictions as well. I’d love to help you find the right SBA lender for this deal. We work with all the major SBA lenders. The bank pay us after your loan closes, so this is a 100% free service for you. You can reach me here or directly at redacted You can also click here to schedule a meeting with me: https://cal.com/ishan-jetley-3d73m8/30min. Look forward to chatting!

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