Can you get a commercial loan with no money down?

Yes — but it’s rare and usually comes with strings attached. Most traditional banks want you to put 20–30% down on a commercial property loan. However, there are some cases where you can get into a deal with little or no money down:

Options for “No Money Down” Commercial Loans

1. SBA Loans (7a or 504 Programs)
   • Some SBA programs allow financing up to 90%–100% of the purchase price.
   • You may be able to use seller financing, grants, or another asset as your “equity injection.”
2. Seller Financing
   • The seller agrees to “carry back” part or all of the down payment, meaning you don’t have to put much cash upfront.
   • Works best when the seller owns the property free and clear and is motivated to sell.
3. Cross-Collateralization
   • You use equity in another property you already own instead of cash for the down payment.
4. Partnerships / Investors
   • You bring in an equity partner with cash while you contribute management or industry expertise.
5. Private / Hard Money Lenders
   • These can sometimes cover 100% of costs, but at higher interest rates and shorter terms (not always a long-term solution).

👉 Bottom line: getting a commercial loan with zero out-of-pocket cash usually means you’re either leveraging assets, using creative financing, or paying higher costs somewhere else.

Here How to buy your first commercial property with no money?