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Program 10
SBA Financing in Oxnard
SBA loans help Oxnard business owners buy their building.
USA Mortgage places SBA 7(a) and 504 loans through more than 20 partner lenders, financing up to 90% of an owner-occupied purchase on terms up to 25 years. In Oxnard and the rest of Ventura County, that structure fits business owners buying the building they operate from, including port-adjacent and base-adjacent space near Port Hueneme and Naval Base Ventura County. We are not an SBA lender ourselves; we shop your file to the partner in our network suited to your deal and your property. This is business-purpose financing for owner-occupied commercial real estate, subject to underwriting.
7(a) & 504
programs
90%
financing
25-yr
terms
20+
SBA lenders
Typical figures, subject to underwriting and market conditions. Not a commitment to lend.
How it works
SBA loans offer low down payments and long amortizations for owner-occupied property and business acquisition. USA Mortgage arranges and places SBA financing through our network of partner lenders; we are not ourselves an SBA lender. We shop your file across that network so you get the strongest approval.
Who it's for
Owner-occupied commercial RE
Business acquisition
Real estate plus equipment
Partner or stock buyout
Typical terms
Loan amount$350K to $5M+
FinancingUp to 90%
TermUp to 25 years
RateMarket SBA rates
PropertyOwner-occupied CRE
Programs7(a) and 504
*Typical terms, subject to underwriting and market conditions.
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Local FAQ
SBA Financing in Oxnard, answered.
Does an SBA loan work for a business buying its own warehouse near the Port of Hueneme?
Yes, if you occupy the building yourself. SBA rules require the business to occupy at least 51% of an existing building, or plan to occupy 60% of new construction with no more than 20% permanently leased to others (13 CFR 120.131). Port-adjacent and base-adjacent industrial space in Oxnard and Port Hueneme, next to the Port of Hueneme and Naval Base Ventura County, is a common fit for that structure.
How much cash does an Oxnard business owner need to put down on an SBA 504 building purchase?
Ordinarily 10% of the project cost. The borrower contribution rises to 15% if the business has been operating less than two years or the building is single-purpose, and to 20% if both apply (13 CFR 120.910). Budget for Ventura County's property tax layer too: in FY 2025-26 Oxnard carries the county's heaviest ad valorem rate, up to 1.2318% of assessed value, well above Thousand Oaks' 1.0410% floor.
Is a small manufacturer near the Oxnard Plain eligible for a bigger SBA 504 loan?
Possibly, but only in two cases. The 504 program's standard maximum is $5 million; that rises to $5.5 million only for small manufacturers (NAICS 31-33) or qualifying energy projects (13 CFR 120.931). Agriculture defines the Oxnard Plain, but the manufacturing carve-out is a federal NAICS classification test, not a local designation, so confirm your business's classification before assuming the higher cap applies.
Will SBA loan fees add to the cost of buying commercial property in Ventura County in 2026?
Yes, fees were reinstated for fiscal year 2026. Loans approved between October 2025 and September 2026 carry a 504 upfront fee of about 0.50% and a 7(a) upfront fee that scales with loan size, after both were reduced or waived in FY2025. That change is federal and applies to every property this program finances in Oxnard and the rest of Ventura County.
Does buying my own building in Oxnard save on transfer tax the way it might elsewhere in California?
There is no city transfer tax to plan around. Every city in Ventura County, including Oxnard, sits at the state's base documentary transfer tax of $1.10 per $1,000 with no city add-on, unlike Los Angeles and its Measure ULA. That keeps the acquisition-cost math simpler for a business buying commercial property here.
Can a partner or minority owner who is not a US citizen be on title with me for an SBA loan?
No, not for any ownership percentage. As of March 2026, SBA rules require 100% of direct and indirect owners to be US citizens or nationals with a US principal residence; green card holders may not hold any ownership stake in the borrowing entity. That rule applies to any Oxnard or Ventura County business structuring a purchase with multiple owners.
FAQ
SBA Financing questions, answered.
What is the difference between an SBA 7(a) and a 504 loan?
The 7(a) is the flexible, all-purpose SBA loan: owner-occupied real estate, business acquisition, partner buyouts, equipment, and working capital under one note. The 504 is purpose-built for owner-occupied commercial real estate and heavy equipment, with a long-term fixed rate and a low down payment. We place both and match your scenario to the right one.
How much can I borrow, and how much do I put down?
SBA loans go up to $5M, with larger total project sizes possible on the 504 since a bank funds part of the deal. Down payments are low, often around 10%, rising to 15% to 20% for startups or special-purpose properties. On the right deal we finance up to 90%.
What are the terms and rates?
Terms run up to 25 years for real estate, which keeps payments low. 7(a) rates are usually variable and tied to the Prime rate, while the 504 carries a long-term fixed rate on the CDC portion. Because we place your file across 20+ SBA lenders, we shop your scenario for the strongest terms.
Do I have to occupy the property?
Yes. SBA real estate loans require owner-occupancy, at least 51% of an existing building or 60% of new construction. That requirement is what separates SBA-eligible deals from pure investment property, which fits our other programs.
Do I have to personally guarantee an SBA loan?
Yes. The SBA requires a personal guarantee from anyone who owns 20% or more of the business, and on real-estate deals the loan is also secured by the property. This is standard on every SBA loan, not a sign of a weak file, and it is part of why SBA financing offers low down payments and long terms. We will walk you through exactly what you are signing before you commit.
How long does an SBA loan take to close?
SBA loans are slower than our bridge products, typically 30 to 90 days, because of the documentation and approval process. The tradeoff is a much lower long-term cost. If you need speed now, we can bridge the deal and refinance into SBA later.
What do you need to get started?
Generally two to three years of business and personal tax returns, business financials, a personal financial statement, and details on the property or business. We will tell you exactly what is needed and place your file with the best-fit lender in our network.
Resources
Guides for SBA Financing
SBA · 5 min read
SBA 7(a) vs 504: Which Is Right for Owner-Occupied Real Estate?
Read the guide SBA · 5 min read
SBA 504 Loans for Owner-Occupied Commercial Real Estate
Read the guide SBA · 4 min read
SBA Loan Down Payment, Rates, and Terms Explained
Read the guide SBA · 5 min read
The $1M SBA Loan: What 7(a) and 504 Look Like at That Size
Read the guide More in Oxnard
Other programs in Oxnard
Fix and FlipUp to 90% / 100% rehabRental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moTransactional FundingSame-day double-close capitalBank Statement / No-DocNo tax returns requiredConventional InvestmentNon-owner-occupied investmentPortfolio LoansMultiple properties, one loanCRE PermanentLong-term agency & perm
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