SBA One-Close Construction Financing
Land Acquisition • Development • Construction — One Closing
Most construction projects require three separate loans:
- Land acquisition loan
- Construction loan
- Permanent refinance
Pacific Rate helps eligible business owners replace all three with a single SBA construction-to-permanent loan.
This streamlined SBA structure reduces closing costs, minimizes risk, and improves long-term cash flow.
What Is SBA One-Close Financing?
SBA One-Close financing allows qualified borrowers to:
- Acquire land
- Build or expand owner-occupied commercial property
- Convert automatically to long-term permanent financing
All under one loan and one closing.
SBA Programs Available
- •Land + construction + soft costs
- •One note, one closing
- •Up to 25-year amortization
- •Flexible structure for owner-occupied projects
- •Bank + SBA debenture structure
- •Long-term fixed-rate SBA portion
- •Ideal for real estate-heavy projects
- •Lower equity requirements vs conventional loans
Key Benefits
Ideal Properties
Medical & dental facilities
Office buildings
Industrial & warehouse
Retail owner-user properties
Specialty commercial facilities
Nationwide programs available
(Owner-occupancy and SBA eligibility requirements apply)
Why Work With Pacific Rate
Pacific Rate specializes in commercial and SBA financing and works closely with:
We structure transactions to meet SBA guidelines while minimizing friction and delays.
Let's See If Your Project Qualifies
Fill out the form below and a commercial loan specialist will contact you within 24 hours
Ready to Get Started?
Rates, terms, and approval subject to SBA guidelines, lender underwriting, and borrower qualification. This is not a commitment to lend.
Homayoun (Tony) Kiani, NMLS #329956 | Pacific Rate
Empowered by NEXA Lending - A Division of NEXA Mortgage, LLC | NMLS #1660690
🏠 Equal Housing Lender | Licensed Mortgage Loan Originator
