Commercial Real Estate financing available
Multifamily Properties financing available
LTV available
LTV on Cash-Out Refinance Available
What is SBX Funding LLC?
SBX Funding LLC is a specialized commercial real estate lending platform and an affiliate of X-Caliber Rural Capital, combining the responsiveness of a dedicated small-balance lender with the strength, experience, and resources of one of the nation’s leading commercial real estate finance organizations. We help business owners and commercial real estate investors refinance, acquire, and grow with flexible financing solutions designed to support long-term success.
Choose Your Financing Need
01
Refinance Commercial and Multifamily Real Estate
Improve cash flow, replace eligible variable-rate debt with fixed-rate certainty, and position your business for long-term success.
02
Acquiring Commercial and Multifamily Real Estate
Purchase medical, office, industrial, warehouse, retail, flex, mixed-use, and stabilized 5+ unit multifamily properties with financing designed for growth.
Why SBX?
- Fixed-rate certainty that supports predictable planning
- Up to 85% Financing Available and Up to 75% on Cash-Out Refinance Available
- No deposit relationship with lender required
- Streamlined underwriting and efficient execution
- Financing solutions for refinance, acquisitions and multifamily
Program Highlights
| Feature | SBX |
|---|---|
| Loan Amount | $350,000 – $3MM on Commercial Real Estate
$350,000-$5MM on Multifamily |
| Maximum Financing | Up to 85% LTV
Up to 75% LTV on Cash-Out Refinancing |
| Interest Rate | Fixed |
| Terms | 25 due in 10, fixed for 5 or 10 years |
| Eligible Uses | Refinance, Acquisition, Business Expansion |
| Borrowers | Experienced Business Owners & CRE Investors |
Property Types
| Owner-Occupied: | Medical • Healthcare • Office • Retail • Industrial • Warehouse • Flex |
| Investment: | Multifamily (5+) • Mixed-Use • Medical Office • Industrial • Warehouse • Retail |
SBX vs. SBA 7(a) vs. Conventional Financing
Compare the financing solutions below to determine which best aligns with your goals.
| Feature | SBX | SBA 7(a) | Conventional |
|---|---|---|---|
| Loan Amount | $350,000 – $5MM | Up to $5MM | Varies |
| Maximum Financing | Up to 85% LTV | Up to 90% (with SBA guaranty) |
Typically 65–75% |
| Interest Rate | Fixed | Fixed or Variable | Fixed or Variable, often balloon reset |
| Loan Term | 5 or 10 Years | Up to 25 Years | Typically up to 10 Years |
| Amortization | 25 Years | Up to 25 Years | Lender dependent |
| Time to Close | As fast as 30 Days | 30–90 Days | Varies, full credit committee |
| Prepayment | Stepped down, free after Year 5 |
Declining, free after Year 3 |
Defeasance / yield maintenance (can be punitive) |
| Underwriting | Streamlined, bank-grade | Lender + SBA, more documentation |
Full bank credit committee |
| Best Fit | Refinance, acquisition, multifamily, Investor properties |
SBA-eligible small businesses |
Stabilized assets, strong sponsors |
Green = SBX advantage (directional only — no specific rates or fees shown).
Source: qualitative summary derived from MKIII internal Rate_Comps/Orig_Comps analysis (Jun 2026).
Frequently Asked Questions
What is SBX?
A proprietary commercial real estate financing solution for experienced business owners and investors.
Who is SBX designed for?
Owner-users, commercial real estate investors and multifamily investors.
What loan sizes are available?
- $350,000 to $3MM on Commercial Real Estate
- $350,000 to $5MM on Multifamily Property
Can I refinance an SBA 7(a) loan?
Many eligible borrowers can refinance SBA 7(a) commercial real estate loans into fixed-rate financing, subject to underwriting and LTV guidelines.
Can I refinance conventional commercial loans?
Yes, please inquire to see if your conventional loan qualifies.
Does SBX finance acquisitions?
Yes, for eligible owner-occupied and investment properties.
Does SBX finance multifamily?
Yes, including eligible acquisitions and refinances for 5+ unit properties.
How much financing is available?
Up to 85% LTV for qualified borrowers; up to 75% LTV for cash-out refinancing.
Are the rates fixed?
Yes.
What terms are available?
- 25-Yr amortization, 10-Yr terms with the option of a 10-Yr fixed rate or a rate reset after five years
- 25-Yr amortization
Are there any states where SBX is not available?
The following states are ineligible for SBX financing: (CT, DE, ME, NJ) and the following require pre-approval: (FL, IN, LA, NY, OH, OK, PA).
What property types qualify?
Medical, office, industrial, warehouse, retail, mixed-use and 5+ unit multifamily, subject to guidelines.
What documents are required?
Financial statements, tax returns, property information and standard underwriting documentation.
Will an appraisal be required?
Yes. Phase 1 ESA is also required within 180 days of loan closing.
How do I get started?
Complete the Request Financing form to speak with a lending specialist.
Borrower Journey
Request Financing
Tell us what you are planning.
Initial Consultation
Connect with a lending specialist.
Financing Review
Preliminary review and term sheet.
Underwriting
Financials, credit, appraisal and ESA.
Approval
Final financing decision.
Closing
Documents and title.
Funding
Capital ready for your next move.
Ready to finance your next opportunity?
Whether you’re refinancing an existing commercial property, acquiring a new asset or growing your multifamily portfolio, SBX provides financing built around long-term success.
Request financing today. Reach out to one of our experts at info@sbxfunding.com.
This material is provided for informational purposes only and does not constitute an offer, commitment, or guarantee of financing. Rates, terms, eligibility requirements, and hypothetical scenarios are illustrative, subject to change without notice, and dependent on underwriting, credit approval, due diligence, and final loan documentation.