Commercial Cash-Out or SBA Refinance: Which Fits the Purpose?
Conventional commercial cash-out accesses equity in an occupied property within RPC's loan and leverage caps. SBA refinancing serves eligible business debt and qualifying uses; it is not a substitute for unrestricted equity withdrawals.
Key loan facts
- Loan Amount
- $100,000 to $5,000,000
- Eligible properties
- Multifamily, Office, Retail, Industrial, Mixed-use, Self-storage, Cold storage, Hotels, Motels, Data centers
- Maximum Leverage
- 75%; Unlimited cash-out proceeds within the $5 million loan limit and 75% LTV
- Minimum FICO
- 680; Owner-occupied commercial real estate eligibility requirements apply. RPC's public minimum FICO is 680; this is RPC's guideline, not a universal SBA credit-score rule. Business repayment capacity and SBA eligibility are reviewed individually; no common SBA DSCR floor is published here.
- Minimum DSCR
- 1.15x
Are you releasing equity or refinancing eligible business debt?
Write down the use of every part of the proceeds. An investment-property owner seeking equity for another project is asking a different question from an operating business replacing debt on its own premises. SBA refinance eligibility depends on the existing debt and proposed use, and must be reviewed before assuming any funds can be released.
Where it fits
Commercial cash-out has a $5 million mortgage ceiling and 75% LTV. SBA is a separate financing path with owner-occupied CRE eligibility requirements and up to 90% financing only for qualifying transactions; that purchase/program headline is not an unrestricted SBA refinance entitlement.
Illustrative example
Illustrative: a landlord releasing equity from a leased retail building starts with conventional commercial cash-out. A retailer refinancing debt on its operating premises asks for an SBA eligibility review, including the original debt purpose and payment records.
Initial fit check
Occupied commercial real estate, minimum FICO 680, minimum DSCR 1.15x, and no more than 75% LTV. Value, income, title and documents must support the request.
Apply with your property and financing request, or submit a deal as a broker through Partners.
Eligible Asset Types
- Multifamily
- Office
- Retail
- Industrial
- Mixed-use
- Self-storage
- Cold storage
- Hotels
- Motels
- Data centers
Which program facts apply to this request?
As of 2026-10-08| Fact | Public guideline |
|---|---|
| Loan amount | $100,000 to $5,000,000 |
| Program condition | Maximum loan amount: $5 million |
| Program condition | Maximum LTV: 75% |
| Program condition | Minimum FICO: 680 |
| Program condition | Minimum DSCR: 1.15x |
| Program condition | Unlimited cash-out proceeds within the $5 million loan limit and 75% LTV |
| Program condition | Closing in as little as 30 days |
| Program condition | Commercial financing is available in 48 states. Washington, DC is unavailable. Check the property's state before proceeding. |
| Program condition | All property types are subject to underwriting. |
- • These are public guidelines, not a loan commitment. Final terms depend on underwriting.
Source: Riverside Park Capital (2026-10-08), https://riversidepark.capital/commercial-cash-out-refinance-vs-sba-refinance. Data may be cited or embedded with attribution.
Methodology
- Public lending guidelines reviewed 2026-10-08. Program limits are ceilings, not a commitment to lend. Examples labelled illustrative are calculations, not closed transactions.
Underwriting Guidelines
- Maximum loan amount: $5 million
- Maximum LTV: 75%
- Minimum FICO: 680
- Minimum DSCR: 1.15x
- Unlimited cash-out proceeds within the $5 million loan limit and 75% LTV
- Closing in as little as 30 days
- Commercial financing is available in 48 states. Washington, DC is unavailable. Check the property's state before proceeding.
- All property types are subject to underwriting.
- SBA 7(a): up to $5 million per loan. SBA 504: SBA/CDC portion up to $5 million, or $5.5 million for qualifying manufacturing and energy projects. Total project financing can be larger.
- RPC handles SBA terms individually. Submit an application for review; this page does not offer an automated rate-sheet quote.
- Owner-occupied commercial real estate eligibility requirements apply. RPC's public minimum FICO is 680; this is RPC's guideline, not a universal SBA credit-score rule. Business repayment capacity and SBA eligibility are reviewed individually; no common SBA DSCR floor is published here.
- Closing in as little as 45 days for qualified SBA transactions
Who This Is For
- Commercial owners choosing between equity access and business-debt refinancing
- Business operators whose premises and existing debt need an SBA review
Who This Is Not For
- Vacant commercial properties
- Requests that exceed the cash-out loan or leverage limit
- Residential rental cash-out, which has separate DSCR terms
Frequently Asked Questions
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