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Program 11

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.

SBA Financing in Oxnard, CA from USA Mortgage
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
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*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.

More SBA Financing questions, answered on the program page

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
Browse all guides
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SBA Financing vs. other options

Comparison
SBA 7(a) vs Conventional Loan
See the comparison
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About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-08-28.

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