SBA Bridge Loans for Commercial Property — DC, Maryland & Virginia
Why Borrowers Choose a Bridge-to-SBA Strategy
Acquiring a commercial property with an SBA 7(a) or 504 loan is one of the smartest long-term financing moves an owner-operator can make — low down payments, long amortization, and below-market rates. But SBA lenders move slowly, and competitive deals don't wait.
Move Fast on Acquisition. Refinance on Your Terms.
SBA loans are powerful — but they take time. When the right property hits the market, you can't afford to wait 60–90 days for SBA approval. Great Jones Capital provides short-term bridge financing so you can close quickly, stabilize the asset, and refinance into permanent SBA debt on your schedule.
A bridge loan from Great Jones Capital lets you:
Close in days, not months — win deals that cash buyers and conventional borrowers would otherwise take
Acquire properties that don't yet qualify for SBA financing (occupancy, stabilization, or seasoning requirements)
Lock in your purchase price while your SBA application moves through underwriting
Avoid seller financing contingencies that can kill otherwise strong deals
How It Works
Step 1 — Identify Your Acquisition You find a commercial property — a retail strip, mixed-use building, medical office, or small hotel — that fits your business or investment thesis.
Step 2 — Close Fast with Great Jones Capital We fund your acquisition with a short-term bridge loan, typically 6–24 months. We underwrite based on the asset and your exit, not just a DSCR snapshot from day one.
Step 3 — Stabilize & Apply for SBA Financing You occupy, renovate, or stabilize the property. Your SBA lender — whether using a 7(a) or 504 structure — processes the permanent loan.
Step 4 — Refinance Out At SBA loan closing, Great Jones Capital is paid off in full. You walk away with long-term, low-cost owner-occupied financing.
Loan Amounts$500,000 – $5,000,000+
Loan Term: 6 – 24 months
Property TypesRetail, mixed-use, office, hospitality, industrial, special-use
GeographyWashington DC, Maryland & Virginia
Speed to CloseAs fast as 10–15 business days
StructureInterest-only; no prepayment penalty
ExitSBA 7(a), SBA 504, conventional, or sale
Built for Owner-Operators and Their Advisors
Great Jones Capital works directly with business owners, commercial real estate investors, and the advisors who serve them — SBA lenders, CDCs, business brokers, and commercial real estate brokers. If your client has a deal that needs short-term capital to bridge to SBA, we want to hear from you.
We understand the SBA timeline, the 504 debenture process, and what lenders need at the takeout closing. That knowledge makes us a faster, more reliable bridge partner.
Frequently Asked Questions
Can I use a bridge loan if my SBA application is already in process? Yes. Many borrowers come to us with a conditional SBA commitment in hand. We structure our bridge term to align with your expected SBA closing date.
What if the SBA loan takes longer than expected? We build reasonable extension options into our loan structure. Our goal is a smooth refinance — not a forced exit at an inconvenient time.
Do I need to be owner-occupying the property? SBA 7(a) and 504 loans require owner-occupancy of at least 51% (existing buildings) or 60% (new construction). If your acquisition fits that profile, we're a strong bridge partner. We also lend on investment properties with other exit strategies.
What markets do you serve? We are focused on the Washington DC metropolitan area, including the District of Columbia, Maryland, and Virginia.
How do I get started? Contact us using the form below or call us directly. We typically provide a preliminary indication of interest within 24–48 hours of receiving a basic deal summary.