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SBA Loans

Bankable Terms for Un-Bankable Deals

We offer streamlined stated income, full and low documentation mortgages for commercial and investment residential property (no personal residences). Low credit, back taxes, special-purpose property, and other financing barriers can be considered. Purchase, refinance, renovation, fix-and-flip, and cash-out loans are available nationwide (geographic restrictions may apply). We provide short-term and long-term mortgages secured by:

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Investment Residential 1 to 4 Units, Multifamily 5+ Units, Mixed-Use, Office, Retail, Warehouse, Industrial, Mobile Home Park, Self-Storage, Automotive, Daycare, Restaurant, Bar, Hospitality, Funeral Homes, Campgrounds, Gas Stations, etc. 

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SBA takes real estate as collateral when it is available. SBA will not decline a loan for lack of collateral, but SBA will require the borrower to pledge collateral that is available. Interest Rates: The interest rate is determined by formulas set by law and is fixed for the life of the loan.

  • $75,000 to $20 Million

  • No Tax Returns Required

  • Rates Start at 5.25%

  • Up To 80% LTV

  • 1, 3, 5, 15 & 30 Years Fixed

  • 15, 25, & 30 Years Amortized

  • Interest Only Available

  • 600 Credit Score Minimum

  • Foreign Nationals

  • Close in 2 to 4 Weeks

  • No Upfront Fees

  • No Upfront Credit Check

SBA PDF Loan Package

Download and complete the SBA Loan package,

then contact us for the next step.

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© 2026 ROC Financial Solutions. All Rights Reserved.

Business-purpose and investment financing only. All loans are subject to underwriting guidelines, eligibility requirements, property review, and final approval. Programs, rates, terms, and availability are subject to change without notice. ROC Financial Solutions is a private money lender and is not regulated by HUD or RESPA. Referral compensation may be available where permitted by law. Equal Housing Opportunity.

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