Financing
A commercial roof is a capital expense, not a shock to your operating budget. Here's how to spread the cost.
SBA Loan Programs
Two SBA paths, now with more room
As of July 2026, the SBA doubled its combined 7(a) and 504 loan ceiling to 10 million dollars, up from the previous 5 million dollar combined cap. That's real headroom for a roof project layered alongside other capital needs.
SBA 7(a)
The flexible option, up to 5 million dollars on its own. Can cover a roof project alongside working capital or other operating needs in the same package.
SBA 504
Built specifically for major fixed assets like commercial real estate. Typically structured as roughly 50 percent bank loan, 40 percent SBA backed CDC debenture, and 10 percent down from you, at a fixed rate. Your business generally needs to occupy at least 51 percent of the building to qualify.
FAQ
Straight answers
Which SBA program is right for a roof project?
Depends on whether you're financing just the roof or bundling it with other capital needs. [ Placeholder: confirm typical guidance with Justin before this goes live. ]
Do you help with the loan application?
[ Placeholder: confirm level of involvement with Justin before this goes live. ]
Can financing cover the full project cost?
[ Placeholder: confirm typical down payment expectations with Justin before this goes live. SBA 504 generally requires a borrower down payment, so full financing is unlikely regardless of program. ]