SBA Financing (7(a) / 504)
Holiday Mortgage (Youngs Real Estate, Inc.) • California • By Appointment Only
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Quick list: VA • FHA • Conventional (FNMA/FHLMC) • USDA • Down Payment Assistance • Forgivable Grants • CalHFA • CalVET • Jumbo / Super Jumbo • SBA • Agricultural • Commercial • Hard Money • DSCR • Apartment Complex • Manufactured Homes
At a glance
- Best for: qualifying small businesses seeking SBA-backed financing.
- Common real estate use: owner-occupied commercial scenarios.
- Documentation: business financials and entity documents.
Reminder: Guidelines vary by lender and scenario. This page is general information only and is not a commitment to lend.
Basic qualifications (typical)
- Business must meet SBA eligibility (for-profit, operating, etc.).
- Owners/guarantors typically provide personal financial info.
- Loan purpose must fit SBA program rules.
Property types that may work
- Owner-occupied commercial real estate (common)
- Other eligible uses depending on program
Typical documentation checklist
- Photo ID
- Income documentation (paystubs, W-2s, tax returns depending on income type)
- Asset documentation (bank statements; source of funds for down payment/closing costs)
- Property documentation (purchase contract if buying; insurance quote)
- Credit authorization and explanations if needed
- Program-specific items (below)
Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.
Program-specific documents / notes
- Business tax returns (often multiple years).
- Year-to-date P&L and balance sheet.
- Business debt schedule.
- Entity documents.
- Business plan/project narrative may be required.
Helpful links: SBA 7(a) loans • SBA 504 loans
Questions? Call (530) 238-5739 or email [email protected].
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