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Find a Certified Development Company near you. The SBA’s loan program includes a variety of options that can be useful to real-estate businesses, including two that are particularly useful: Refinance Non-SBA guaranteed commercial real estate loans into a more affordable SBA 504 loan In certain cases, highly-qualified CMBS borrowers can occupy as much as 60% a building, as long as they rent the remaining 40% out to a similarly qualified tenant with a long-term lease. And, just like CMBS borrowers, well-qualified SBA 504 borrowers may also be able to occupy as little as 60% of a building, leasing around 40% of the property to one or more eligible tenants. So, for borrowers who want to occupy some, but not all, of a commercial structure, both CMBS and SBA 504 loans could be a smart option. SBA504.LOANS 7601 N Federal Hwy. Ste B140. Boca Raton, Florida 33487, United States