The lowest down payment you can put on a commercial property depends on the type of loan, the lender, and your financial profile. Here’s a breakdown:
- Conventional Commercial Loans – Typically require 20–30% down. Rarely less, unless you have excellent credit and strong business cash flow.
- SBA 504 Loans (U.S.) – Designed for small businesses buying commercial real estate. These can allow as low as 10% down.
- SBA 7(a) Loans – Can sometimes go as low as 10–15% down, but the property must meet SBA eligibility requirements.
- Seller Financing – Some sellers may accept 0–10% down, but these deals are less common and usually reserved for unique circumstances.
- Private Lenders / Hard Money Loans – Can go lower, even 0% down, but interest rates are much higher, and repayment terms are shorter.
💡 Bottom line: For traditional commercial lenders, the realistic minimum is usually around 10% (SBA-backed). Truly zero-down deals exist but are rare and often involve higher risk or creative financing.
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