When SBA financing is no longer available, the California IBank Guarantee Program provides a powerful solution for acquiring or refinancing owner-occupied commercial real estate.
Loan Program Highlights
- Up to $20 million total loan size
- Up to $5 million guaranteed portion
- 20–25 year amortization options
- 7-year guarantee support period
- Ability to stack with conventional bank financing
- Flexible rates and covenants set by participating lenders
Loan Uses
- Owner-occupied commercial property purchase
- Refinance with expansion capital
- Mixed-use eligible structures
- Tenant improvements and buildout
Why IBank for Real Estate?
- Supports borrowers ineligible for SBA
- Enhances lender confidence through state guarantee
- Enables higher leverage structures
- Flexible amortization and repayment design
- Bank-driven underwriting (not SBA restrictions)
Ideal Borrowers
- Businesses with lawful permanent resident ownership
- Owner-users seeking long-term property stability
- Operators expanding facilities
- Growth-stage companies acquiring real estate
📩 Contact ThinkSBA to structure your IBank-backed real estate loan today.
California Infrastructure Bank Guarantee Program: The Best Alternative to SBA Loans in 2026