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Liberty SBF SBA loans review

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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.


Max. Amount


Product NameLiberty SBF SBA 504 Loan
Max. Amount$14,000,000
Loan TermFrom 25 years
RequirementsProperty in the US or its territories in an area that exhibits strong economic and property-type specific fundamentals, other SBA loan criteria

Expert review

Anna Serio

Review by

Anna Serio is a staff writer untangling everything you need to know about personal loans, including student, car and business loans. She spent five years living in Beirut, where she was a news editor for The Daily Star and hung out with a lot of cats. She loves to eat, travel and save money.

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.

    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

    Compare other business loan options

    Updated December 16th, 2019
    Name Product Filter Values Min. Amount Max. Amount Requirements
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    Financing for high-risk industries with transparent rates and terms.
    National Business Capital Business Loans
    Your company must have been in business for at least 6 months and have an annual revenue of at least $100,000.
    Get a large business loan to cover your financing needs, no matter what the purpose is. Startups welcome with 680+ credit score.
    Kabbage Small Business Line of Credit
    1+ years in business, $50,000+ annual revenue or $4,200+ monthly revenue over last 3 months
    A simple, convenient online application could securely get the funds you need to grow your business.
    LendingTree Business Loans
    Varies by lender and type of financing
    Varies by lender and type of financing
    Varies by lender, but many require good personal credit, minimum annual revenue and minimum time in business
    Multiple business financing options in one place including: small business loans, lines of credit, SBA loans, equipment financing and more.
    Lendio Business Loan Marketplace
    Must operate a business in the US or Canada, have a business bank account and have a personal credit score of 560+.
    Submit one simple application to potentially get offers from a network of over 75 legit business lenders.

    Compare up to 4 providers

    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 25 years 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.

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