Joe DownsCEO & Co-Founder, Belrose Storage Group. Founder, Storage Moguls.

Unlock the Gold Standard in Loans with Just 10_ Down!

9 Feb 2026 · 1 min

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In this segment, the speaker explains that SBA loans are considered the gold standard for minimizing cash outlay because they require only a 10% down payment—the lowest available in commercial lending. The low down payment is made possible by a government guarantee that backs a large portion of the loan, reducing the lender’s risk. This structure makes SBA loans an attractive entry point for first‑time buyers who have strong personal financials but limited capital, as it allows them to retain significant cash reserves. However, the speaker cautions that the low down payment comes with a trade‑off: borrowers must provide a personal guarantee, meaning their personal assets are at risk if the business fails.

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The SBA loan is the gold standard for minimizing your cash outlay, requiring only 10% down. And this is the lowest down payment available in commercial lending space. It allows you to keep more significant cash reserves. Government guarantee is what makes this possible. So the SBA backs a large portion of the loan, which reduces the lender's risk, the bank's risk. So this makes it the best entry point for first-time buyers who have strong personal financials, but limited capital. But remember, this low down payment comes with a trade-off. They require you to provide a personal guarantee on the debt. Pretty much all loans do these days, but this means your personal assets are on the line if the business fails.