Owner-occupied property
Consider conventional purchase, refinance or improvement financing, with attention to the operating business's ability to support the debt.
COMMERCIAL REAL ESTATE · SBA ALTERNATIVES
A commercial-property financing solution beyond SBA.
Medro Alternative SBA Capital Program
Non-SBA financing options when an SBA loan isn't the right fit.
Fast Commercial Capital helps business owners and property sponsors structure an alternative when SBA 504 or 7(a) financing is not the fit. We connect the property, business plan, available equity and repayment strategy in one capital advisory process.
Independent, non-SBA financing. This Medro program is not affiliated with or endorsed by the U.S. Small Business Administration. Financing offered through this program is not SBA-guaranteed.
An advisory solution built around your situation—not a one-size-fits-all funding promise. We assess the options, define the next steps and help structure a realistic path.
Start your financing review →SBA requirements changed. Property alternatives deserve review.
For applications covered by the rules effective March 1, 2026, businesses with any direct or indirect owner who is only a green-card holder, a visa holder or otherwise not a U.S. citizen or U.S. national no longer meet the SBA 7(a)/504 ownership requirement. U.S. citizen or national owners must also principally reside in the U.S. or its territories/possessions. This is program eligibility, not a statement about creditworthiness. We review conventional or private property-financing alternatives against the operating business, property, equity and repayment plan. Passive rental investment is a long-standing SBA mismatch, not a new October restriction.
Structure the capital around the property
- Review the property, financing objective and timing.
- Assess equity, operating performance and the repayment or exit plan.
- Prepare a financing approach and coordinate the agreed next steps.
Match the review to the property
We help identify an appropriate financing approach and the information needed for a provider’s review.
Bridge and transitional needs
Structure the immediate capital need around a credible repayment or refinancing path and a practical fallback.
Construction and improvements
Review the complete budget, contingency, equity, draw process and completion or permanent-financing plan.
Owner-occupied and investment property are different
Owner-occupied financing is evaluated around the operating business and the property. For investment properties, we review rental income, leases, asset value and sponsorship. SBA 504 supports qualifying fixed assets; rental investment property and general working capital require a different financing approach.
Source: SBA 504 program overview
Look beyond the headline rate
We help compare equity requirements, fees, amortization, maturity, collateral, guarantees, reserves and prepayment provisions. For a bridge structure, the exit and fallback plan receive attention from the start.
A clear process from the first conversation
A written retained-advisory engagement defines scope, responsibilities and fees before work begins. We help prepare the financing request and coordinate agreed next steps; lender and third-party costs are separate.
A connected transaction review
If the transaction includes buying a business, Alianza Partners can help frame the ownership transition. Fasty Funding focuses on separate business operating-capital needs.
Questions worth asking.
Is this an SBA loan program?
No. Medro Alternative SBA Capital Program is our name for an independent advisory review of non-SBA financing. It is not affiliated with or endorsed by the SBA, and the alternative financing described here is not SBA-guaranteed.
Does owning the property through another entity make it SBA-eligible?
Not by itself. Occupancy, the operating business, ownership structure and all applicable program rules require review.
Is refinancing out of a bridge loan guaranteed?
No. Market conditions, property performance, eligibility and future underwriting can change. The exit and fallback plan need review before taking on the obligation.
Start with a clear financing conversation.
Tell us what you need to accomplish. We’ll help identify the next questions.
SOURCES & CONTEXT
- SBA: current SOP 50 10 8.1 and technical updates
- SBA ownership and residency changes effective March 1, 2026
- SBA: 504 program and permitted uses
- OCC: Commercial Real Estate Lending
- OCC: refinance risk
Explore FUNDED, the forthcoming book by Don McClain
Independent non-SBA advisory; not affiliated with, endorsed by or guaranteed by the U.S. Small Business Administration. Financing is subject to provider availability, eligibility and underwriting. No approval or funding outcome is guaranteed. Information is general, not legal, tax or investment advice.