Sanat B Patel
Business Development Officer
Business Development Officer
www.AVANACapital.com avanateam@AVANACapital.com Direct SBA Lender
Contact us today to find out how we can help you:
Comfort Inn West, Maumee, OH
SBA 7(a) – Refinance
AVANA Capital refinanced the first
mortgage of the Comfort Suites
property using an SBA 7(a) solution
resulting in savings of 20% over
their existing lender.
Warehouse, Los Angeles, CA
Interim for SBA 504 Purchase
AVANA Capital provided funding
(including TI) within two weeks.
We also provided a fee to the
Holiday Inn Express, Houston, TX
Interim for SBA 504 ‘Green Loan’
AVANA Capital provided the interim
loan on this SBA 504 ‘Green Loan’
project with $100K+ going toward
energy conserving solar panels.
Loan limit and pricing impacted at higher LTV.
Purpose: Office Buildings, Warehouses, Industrial Buildings, Medical & Dental Offices, Retail, and Franchised Restaurants.
Referral premiums paid on Multi-Purpose asset class.
Hospitality: Major flags preferred – Interior corridor, limited service, full service, and extended stay properties. Excludes
Special Purpose: Self Storage, Schools / Day Care, Bowling Alleys, Cold Storage, Funeral Homes, Urgent Care Clinics / Surgery
Centers, Auto Repair / Dealerships. Referral premium paid on Special Purpose asset class.
Index Rates subject to change. Please visit www.avanacapital.com/rates.html for rate reference.
Interest Rate Spreads
Referral Premium Paid No Premium Paid Referral Premium Paid
Multi-Purpose Hospitality Special Purpose
WSJ Prime Quarterly + Spread (1.75%) + Spread ( 2.00%) + Spread ( 2.25%)
1 Yr LIBOR Swap Annually + Spread ( 4.75%) + Spread ( 5.00%) + Spread ( 5.25%)
2 Yr LIBOR Swap 2 Years + Spread ( 4.75%) + Spread ( 5.25%)
3 Yr LIBOR Swap 3 Years + Spread ( 4.50%) + Spread ( 4.75%) + Spread ( 5.00%)
4 Yr LIBOR Swap 4 Years + Spread ( 4.50%) + Spread ( 4.75%) + Spread ( 5.00%)
5 Yr LIBOR Swap 5 Years + Spread ( 4.50%) + Spread ( 4.75%) + Spread ( 5.00%)
Asset Class Variable & 1Yr Fixed 2 Yr Fixed 3 Yr Fixed 4 Yr Fixed 5 Yr Fixed
Purpose 5, 4, 3, 2,1 5, 5, 3, 2,1 5, 5, 5, 2,1 5, 5, 5, 5,1 5, 5, 5, 5, 5
Hospitality & Special Purpose Flat 5% from Year 1 to Year 5
Maximum Loan $8,000,000 – 1st Mortgage / Title Deed Loan Amount
Multi-Purpose - 1.10x
Hospitality - 1.20x
Special Purpose - 1.25x
Minimum FICO 650
SBA 504 1st Trust Deed Pricing Matrix
Two years minimum ownership experience demonstrating successful (profitable) operation of
For 1st Trust
Multi-Purpose 50% - 65%* (Maximum LTV – Up to 90% on total project cost)
Special Purpose 50% - 60%* (Maximum LTV – Up to 85% on total project cost)
+ Spread ( 5.00%)
AVANA Capital is a direct nationwide SBA and
USDA commercial real estate lender
for businesses in our niche industries.
Our philosophy is to lend to small
and medium-sized companies with
the goal of promoting job growth