1. Office Buildings

• • • • • Professional offices
          (Accountants, attorneys, insurance agencies, real estate offices)

        • Medical / healthcare offices
          (Doctors, dentists, chiropractors, physical therapists)

        • Corporate or general office buildings (owner-occupied)

2. Retail Properties

• • • • • Restaurants (dine-in or takeout)

        • Cafés, bakeries, dessert shops

        • Grocery stores / specialty markets

        • Convenience stores

        • Clothing stores, optical shops, beauty supply stores

3. Industrial / Warehouse

• • • • • Manufacturing facilities

        • Distribution centers

        • Warehouses used for the business

        • Light industrial / assembly facilities

4. Auto-Related

• • • • • Auto repair shops

        • Body shops

        • Car washes (in-bay or tunnel wash)

        • Tire shops

        • Auto detail shops

5. Hospitality: (Important: Strong industry experience required)

• • • • • Independent motels

        • Flagged hotels (Hampton, Marriott, Holiday Inn, etc.)

6. Healthcare Facilities

• • • • • Assisted living facilities

        • Adult daycare centers

        • Skilled nursing facilities (case-by-case)

        • Rehabilitation centers

        • Urgent care clinics

(Note: Some medical facilities require licenses / approvals.)

7. Mixed-Use Properties

Eligible if the business occupies at least 51% of total square footage.

Example:
1st floor: business (restaurant)
2nd floor: residential units → up to 49% allowed

8. Special Purpose Properties

SBA finances many “special-use” properties if business operates at least 51%.

Examples:

• • • • • Gas stations

        • Daycare centers

        • Churches

        • Gyms / fitness centers

        • Bowling centers

        • Entertainment centers

        • Self-storage facilities

        • Funeral homes

        • Banquet halls

        • Veterinary hospitals

9. New Construction or Building Expansion

• • • • • Ground-up construction (must occupy 60%)

        • Renovation / buildout

        • Expansion of existing facility

Properties NOT eligible for SBA loans

SBA will not finance properties primarily for:

• • • • • Investment real estate (rental income)

        • Fix & flip projects

        • Apartment buildings (unless business occupies 51%)

        • Airbnb / short-term rentals

        • Land purchase without business occupancy

        • Property for passive income

Key SBA Occupancy Rules

• • • • • 51% minimum owner-occupied for existing buildings

        • 60% minimum for new construction

        • No more than 49% can be leased out

        • Business must actively operate onsite