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Liberty SBF SBA loans review

Get up to $14 million in government-backed commercial real estate financing.

  • Best for financing real estate and property purchases with a government-backed loan.
  • Look elsewhere if you want an SBA loan for equipment or other uses.
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Max. Amount$14,000,000
Loan TermFrom 300 months
APRNot stated
RequirementsProperty in the US or its territories in an area that exhibits strong economic and property-type specific fundamentals, other SBA loan criteria

First, do I qualify?

You can only use your Liberty SBF loan to purchase or refinance real estate that is:

  • Located in the US or its territories
  • Exhibits strong economic and property-type specific fundamentals

On top of this, you and your business must meet additional 504 loan requirements laid out by the SBA.

What makes Liberty SBF SBA loans unique?

Liberty SBF could be what you’re looking for if you want to work with a specialist. It only offers SBA loans for commercial real estate and works with borrowers in person from start to finish. You can’t even get started online — you’ll have to reach out to a team member to find out if you qualify and learn about potential rates and terms.


  • Work with a specialist from start to finish
  • Up to $14,000,000 in financing
  • Up to 90% LTV


  • No online application
  • No equipment 504 loans
  • Potential prepayment penalty

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How do I apply?

You can apply by reaching out to Liberty SBF over the phone at 855-590-1174 or by filling out its online contact form.

Here’s how to get in touch with a representative online:

  1. Go to the Liberty SBF website.
  2. Click Contact Us in the top menu.
  3. Fill out the form with information about yourself, the type of loan and property you want and leave a comment with any additional information.
  4. Click Submit.

After you submit the form, wait for a representative to reach out to discuss your options.

What documents do I need to apply?

It depends on your business and the real estate you want to buy or refinance. It’s likely a long list, since SBA loans are typically paperwork-heavy. You can find out what documents you might need to provide when you talk to a loan specialist.

How do repayments work?

Liberty SBF services its own loans, so it’ll handle your repayments. Its loans come with terms of up to From 300 months with a 25-year amortization schedule. If you have any questions or concerns about your repayments, reach out to Liberty SBF as soon as possible.

Find out how Liberty SBF compares to other lenders by reading our guide to business loans.

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

Liberty SBF could be a good choice if you’re looking for an SBA 504 lender for purchasing or refinancing property or real estate. This lender only provides commercial loans and specializes in 504 funding. It offers a hands-on funding experience that can help you come up with a loan that makes sense for your business.

But this might not be right for everyone. It has strict underwriting criteria and doesn’t allow you to prequalify online. It also doesn’t offer 504 funding for other uses, such as equipment.

Not sold on Liberty SBF? Compare your other business loan options below.

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