Business Owner Commercial Real Estate Financing with USDA, SBA and Conventional Loan Programs
- Finance up to 90% of project costs, preserving working capital for future growth
(USDA UP TO 80% LTV/LTC). - Secure fixed interest rates for long-term financial stability.
- Utilize flexible financing for buying, building, or renovating real estate, purchasing
heavy equipment, working capital, and upgrading to green technology. - Cash Out Refinancing with the SBA 504 program
Grow Rural. Finance Smart.
Explore our USDA Loan Programs
Why Choose Us
Murphy Commercial Capital provides tailored capital solutions, expert guidance, and unwavering support to help your business thrive.
Speed
We know that if you need a loan for your business, you often need it sooner rather than later.
Service
We’ll guide you every step of the way; answering questions, providing updates, leaving little room for worry.
Specialization
With over 20 years of lending experience, we excel at securing the perfect solutions for your business needs.
Transforming Ideas Into Impact, Through Commercial Capital
Focusing On Revenue
Our goal isn't just financing, it's success.
Getting The Best Terms On Your Investment Capital
If you need to purchase or refinance a commercial building, let us help you through the process. We will help you complete your application, gather the needed information, help you find the loan that works best for you and your business, and help you navigate the closing process.
Successful Projects
Here are just a few of the businesses we’ve partnered with to secure the funding they needed to grow and succeed.
Happy Clients
- Holiday Inn Express
- High Sierra Lanes
- Nevada Blue
- Taco John's
- Mustang Chevron
- Comfort Inn & Suites
- Fitness for 10
- Best Western
Frequently Asked Questions
Answers to common questions about our services, financing options, and how we can support your business growth.
To qualify for an SBA 504 loan, borrowers generally must meet the following criteria:
- Operate as a for-profit, non-publicly traded business
- Have a tangible net worth (including affiliates) of no more than $15 million
- Maintain an average net income of no more than $5 million over the past two years
- Have ownership that is at least 51% U.S. Citizens or Legal Permanent Residents (with some exceptions)
Contact us to discuss your unique situation in detail.
Here are some common uses for an SBA 504 loan:
- Acquisition of vacant land
- Constructing new buildings
- Purchase of existing buildings
- Renovating or expanding existing structures
- Acquiring capital equipment
- Covering associated costs like title insurance, appraisals, environmental reports, and surveys
Contact us to explore all eligible uses under the SBA 504 loan program.
Details on the application process go here.
What Clients Say
Here’s what our clients have to say about their experience working with us.
I had a listing on a retail building in Sparks, NV. The seller was demanding a
short escrow of no more than 60 days. That is really unworkable for an SBA loan
with a buildout/TI work to be done. Jerry shifted gears to a local private lender
and got the deal done on time.
My Aftermath with the borrower: I was able to get an SBA 504 refinance done
after the borrower got his buildout completed. This got the borrower cash back for his business and minimized his cash in the property to 10%.
I have know Jerry for over 10 years as a fellow ski instructor at Palisades Tahoe. I knew that Jerry did something with commercial real estate financing. I had a client that was looking to sell a Walnut Creek, Ca property in a lease purchase transaction where the buyer was had a tree trimming business. One of Jerry’s specialties is business owner commercial real estate financing, with an emphasis on SBA financing. Jerry jumped in and assisted the borrower in getting approved and funded. Very smooth transaction. All parties were thrilled.
I needed PIP (property improvement plan) financing…the PIP had to be initiated by the end of the year. I had reached out banks and a credit union in the Reno/Carson City area. There was not a lot of interest in assisting my project. I found Jerry’s name on a lender’s list and reached out to him. It turned out that Jerry was very familiar with the property having financed it for a previous owner.
Blog & Articles
Making the best investment for your business can be a challenging endeavor. We want to provide you with the best resources for making your decision.
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