Can’t Qualify for an SBA Commercial Real Estate Loan? Meet Impower 95, an SBA CRE Loan Alternative

Struggling with accessing commercial real estate for a business? Rent increases set by landlords, along with strict rules from the Small Business Administration (SBA) or banks can prevent otherwise healthy businesses from purchasing new buildings or facilities they operate in, particularly when factors like occupancy, down payment, or eligibility criteria don’t line up with traditional bank or SBA loan standards. Impower 95 is Momentus Direct Capital’s small business commercial real estate loan (CRE) alternative. 

Part of the Momentus Capital branded family of organizations, Momentus Direct Capital’s Impower 95 loan gives businesses struggling to access SBA or conventional commercial real estate lending an opportunity to own buildings to support their growth.

Watch our five short videos below for a checklist-style walkthrough of how it works and whether it may fit your scenario.

What is Impower 95?

Impower 95 is an alternative to SBA CRE loans when traditional financing doesn’t suit a business’s needs. This loan is specifically designed for owner-occupied commercial real estate, helping more small business owners achieve property ownership with a lower cash requirement. It allows for purchases ranging from $250,000 to $5 million, requiring as little as 5 percent down and no minimum credit score, making it a flexible option for acquiring your commercial property.

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Are you unable to qualify for a conventional or an SBA real estate loan? Have you heard of Impower 95? Impower 95 is an owner-occupied commercial real estate loan designed by Momentus Direct Capital to help those small business owners that have struggled with a down payment.

The Impower 95 loan program is an owner-occupied alternative to conventional and SBA financing. It allows you to purchase a property from $250,000 up to $5 million with as little as 5 percent down and no minimum credit score.

Unlike traditional SBA loans that require higher owner occupancy, Impower 95 offers greater flexibility, making property ownership more accessible to a broader range of entrepreneurs.

If an SBA commercial real estate loan isn’t an option, Impower 95 may be the small business commercial real estate loan alternative you need.

Reach out to one of our loan officers to find out how Impower 95 can support you.

Who Qualifies for Impower 95?

Many strong businesses face challenges due to SBA rules, particularly the owner-occupancy requirements and other eligibility criteria. If a business has been denied an SBA commercial real estate loan, Impower 95 could provide a more flexible option for financing owner-occupied commercial real estate for established businesses that have been operating successfully for two years or more and have the capacity to repay.

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Not every borrower is going to qualify for an SBA loan due to the strict rules of the program. 

Let’s see who qualifies under the Impower loan program and see if it might help you purchase your property. 

The SBA loan program has a minimum occupancy requirement of 51 percent and in some cases as high as 60 percent. There are also strict citizenship requirements and the down payment requirement for an SBA loan is usually higher than the Impower 95 loan program. 

The Impower 95 loan program was created for businesses that can’t meet those strict requirements. 

Impower 95 was created to provide a flexible path to ownership for established companies with at least two years of successful operation and a proven ability to repay. Whether it’s a restaurant with strong revenue but limited credit, a medical provider occupying less than 51 percent of their building, or even a manufacturer who doesn’t meet citizenship requirements, Impower 95 opens the door to property ownership and growth for more entrepreneurs.

If you’ve been turned down for your commercial real estate loan, please reach out to one of our Impower 95 loan officers at the link below.

Commercial Real Estate Properties You Can Buy With Impower 95

Not all commercial buildings fit neatly within SBA guidelines. In this video, we explore the various property types that Impower 95 can finance, including general-use buildings, semi-generic properties, and special-use properties. Additionally, it outlines how Impower 95 can help with leasehold improvements of up to $500,000 when the project requires it.

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Wondering what kind of properties Impower 95 can finance?

We can finance just about any property type. For example, multi-purpose general use properties would be office buildings or warehouses. Semi-generic buildings or properties could be child care centers, or assisted living facilities. We finance, for example, special use properties like hotels and gas stations.

And if you find that need for leasehold improvements, we’re able to finance up to half a million dollars.

If you want to learn if your property qualifies for Impower 95, please contact us today.

SBA Commercial Real Estate Loan vs Impower 95

When looking at an SBA commercial real estate loan versus Impower 95, there are important differences that can influence both speed and feasibility, including down payment amounts and owner-occupancy. This video outlines that, with Impower 95, you can secure a loan with only 5 percent down and occupancy ranging from 25 to 40 percent. Plus, it features a 10-year fixed rate amortized over 30 years, and you might even pre-qualify in just two weeks with a minimal documentation package.

Transcript

Are you struggling to purchase your commercial real estate building with an SBA loan?

If so, let’s take a look at the Impower 95 program as an alternative, and let’s compare the programs to see if it might be the solution for you. 

If you’re looking to purchase a multi-purpose general use property, the SBA wants you to put in 10 percent. For Impower 95, it’s 5 percent.

That same property, the SBA is going to want you to occupy 51 to 60 percent. And that’s your business that has to occupy that. Impower 95, it’s 25 percent to 40 percent.

Impower 95 also features a convenient 10-year fixed rate and is amortized over 30 years. Unlike many 7(a) loans that carry variable rates, the Impower 95 program allows, with a minimum package, our loan officers to pre-qualify you for your loan in as little as 2 weeks. 

Would you like to see if the Impower 95 program is a fit for your business? 

For more information, please reach out to one of the loan officers.

The Benefits of the Impower 95 Commercial Real Estate Loan

This video highlights the key concerns of business owners: reducing exposure to rent hikes, managing long-term expenses, and building equity through property ownership. Impower 95 offers a flexible approach with options like a minimum of 5 percent down, 25–40 percent occupancy, a 10-year fixed-rate term spread over 30 years, and no minimum credit score requirement, making it easier for established businesses to take the leap into commercial property ownership.

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Are you ready to take control of your business future?

Owning a property is a good start.

Impower 95 is that non-SBA loan option that would enable you to come in with as little as 5 percent down on a general multi-purpose property.

Occupancy is so flexible, only 25 percent to 40 percent is required.

It carries fixed rate financing on a 10-year term, amortized over 30 years.

And there is no minimum credit score required.

By owning your space, you protect your business from rising lease rates, you gain the freedom to invest in your property, and you build equity for your future growth or retirement. 

The Impower 95 Loan Program allows not-for-profit and for-profit businesses to purchase a property as long as they’ve been in operations for two or more years and show the ability to repay the loan. And we will never ask for your banking relationship.

Stop renting. Buy your property. Start building equity. 

Reach out to one of our loan officers.

Ten Things to Know About Impower 95

Here are 10 key takeaways readers should take away about Impower 95.

1. It serves as an alternative to SBA CRE and bank loans for owner-occupied commercial real estate, particularly for borrowers who may not meet SBA eligibility criteria or have credit issues.
2. Loan amounts range from $250,000 to $5 million, making it suitable for many small to mid-sized commercial real estate purchases and refinances.
3. A key feature is the high leverage, allowing up to 95 percent loan-to-value (LTV) in certain cases, although there are lower limits for specific property types, such as semi-generic or special-purpose properties.
4. The down payment can be less than what is typically required for conventional commercial real estate options, often between 5 percent and 15 percent, depending on the type and structure of the property.
5. Owner-occupancy requirements are more lenient than those of the SBA, with a minimum of just 25% owner occupancy in some community-benefit situations, compared to SBA 504’s higher occupancy requirement.
6. There is no minimum credit score specified, which can benefit borrowers who are operationally strong but do not meet strict credit criteria.
7. The program can finance a diverse array of property types, including multi-purpose spaces like offices, warehouses, light industrial, retail, manufacturing, and medical/dental facilities, as well as special-purpose properties such as gas stations, hotels, restaurants, car washes, and storage units.
8. Tenant improvements can be included, accounting for 15 percent of the project cost up to $500,000, which is important for buildouts and upgrades.
9. The process is designed to be streamlined, with approvals possible in as little as two weeks after receiving a complete application package.
10. The terms and structure are tailored for flexibility in planning and cash flow, with pricing linked to the 10-year Treasury Constant Maturity (CMT) plus a spread, options for interest-only payments, and an origination fee ranging from 1 percent to 2 percent.

As always, exact terms and eligibility depend on underwriting and may vary by deal structure/property type.

When looking into alternatives for an SBA CRE loan, begin by watching the videos above and checking out the table below. Additional information is also available on the Momentus Direct Capital Impower 95 webpage.

These resources are tailored to help small businesses quickly assess their suitability: loan amounts ranging from $250,000 to $5 million, a possible 5 percent down payment, flexible occupancy options, and a reliable structure designed for long-term ownership.