COMMERCIAL REAL ESTATE APPRAISALS

SBA 504 & SBA 7(a)

this is what we do

cre appraisals SBA 504 & SBA 7(A) Loans

Navigating the SBA loan process requires appraisals that are not only accurate but fully compliant with government-backed underwriting standards. At SM RE USA, we specialize in USPAP-compliant commercial property valuations tailored for SBA 504 and SBA 7(a) financing. Our reports help lenders and borrowers move forward with confidence — aligning with SBA guidelines and supporting loan approval timelines.

Background image

What Is an SBA Loan Appraisal?

An SBA loan appraisal is a professional valuation of commercial real estate used as collateral in government-backed financing programs like SBA 504 and SBA 7(a). These loans require appraisals that comply with both USPAP (Uniform Standards of Professional Appraisal Practice) and Small Business Administration guidelines to ensure the property’s market value supports the loan structure.

Whether financing a property purchase, construction project, or business expansion, SBA loan appraisals are a mandatory component of the underwriting process — offering both lenders and borrowers a credible assessment of property value and risk.

Why an Accurate Appraisal Matters

A reliable commercial appraisal plays a critical role in SBA financing decisions. It helps:

Supports Loan Approval
SBA lenders rely on accurate appraisals to confirm the property’s value aligns with the requested loan amount and program guidelines.
Meets SBA Compliance Standards
Appraisals must conform to SBA regulations and USPAP standards to be accepted during underwriting and audits.
Reduces Risk for Lenders
A credible, third-party appraisal helps mitigate risk by ensuring the collateral justifies the loan terms.
Accelerates Loan Processing
Clear, well-documented valuations reduce delays during underwriting and improve borrower experience.
Provides Borrower Confidence
A defensible valuation gives business owners assurance that their financing is based on true market value.

Our Approach to SBA 504 & SBA 7(a) Loan Appraisals

At SM RE USA, we tailor each appraisal to meet the demands of lenders, borrowers, and financial advisors navigating SBA financing scenarios. Our approach includes:

USPAP-Compliant Reporting
Every appraisal meets Uniform Standards of Professional Appraisal Practice (USPAP) and SBA-specific requirements to ensure full underwriting compatibility.
Lender-Ready Documentation
We provide clear, SBA-compliant reports that align with lender expectations and streamline review processes.
Market-Supported Valuations
Our reports include relevant comps, market trends, and detailed analysis to support reliable, defendable conclusions.
Timely Turnaround
We prioritize speed without sacrificing accuracy — helping borrowers and lenders keep transactions on schedule.
Experience Across Property Types
From owner-occupied commercial buildings to investment properties, we bring specialized knowledge to support a variety of SBA-financed assets.

Property Types we cover

At SM RE Inc., we perform SBA loan appraisals for a wide range of commercial real estate assets, including:

Multi-Family
Industrial
Retail
Office
Mixed-Use
Land

We understand the nuances of each property type and use current market data to ensure your valuation is defensible, well-supported, and compliant with USPAP standards.

Get an SBA-Compliant Commercial Appraisal Today

Whether you’re applying for an SBA 504 or 7(a) loan, SM RE USA delivers timely, accurate, and fully compliant appraisals to support your financing needs. We help borrowers and lenders across Southern California close deals with confidence.

📞 Call us at (310) 650-8798
📧 Email: sam@smreusa.com
📍 Serving: Los Angeles, Orange County, Long Beach, and Southern California