90% loan-to-value: that's the ceiling the SBA 7(a) program allows for owner-occupied commercial real estate, a financing structure that lets Littleton business owners acquire buildings along South Broadway or near Aspen Grove without draining working capital.
SBA loans
SBA loans are federally backed financing products that reduce lender risk, enabling longer repayment terms and lower down-payment requirements than conventional commercial credit. Businesses in Littleton use SBA 7(a) loans to buy warehouses near the Santa Fe Drive corridor, refinance existing debt, or fund equipment purchases when predictable monthly payments matter more than speed. Because the SBA guarantees a portion of each loan, lenders extend terms up to 25 years for real estate and ten years for equipment, spreading cost across the asset's useful life. Fen Advances connects you to lenders in our broker network, then walks you through underwriting requirements, collateral documentation, and closing timelines so no fee or covenant surprises you at the table.
SBA loans
We submit your application to multiple SBA-preferred lenders simultaneously, comparing term sheets side by side so you see which structure offers the lowest total cost. Our Centennial office at 9350 E Arapahoe Rd, Centennial, CO 80112](https://goo.gl/maps/example) sits fifteen minutes east of downtown Littleton, and we schedule consultations at your location or ours. Call (720) 970-3321 to discuss your scenario. We also broker [working capital and equipment financing across Littleton when SBA timelines don't align with your project calendar, and we maintain relationships with lenders who understand seasonal revenue cycles common to retail shops near Littleton's Historic Downtown.
A precision-machining shop operating south of Mineral Avenue wanted to purchase the building it leased, locking occupancy cost and creating balance-sheet equity. The owner approached Fen Advances with two years of tax returns and a lease history showing on-time payments. We brokered an SBA 7(a) proposal with a 25-year amortization and a down payment the owner could fund from retained earnings, avoiding the shorter balloon term a conventional lender had quoted. The transaction closed in ninety days, and the shop now deducts mortgage interest while building equity every month. Learn more about SBA loans across our Centennial service area or explore additional financing programs we broker.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why Centennial owners trust Fen Advances
