Major national footprint bank offers a 5.00% to 5.25% FIXED rate for 25 years, 25/25 fully amortizing. No rate resets and no balloon payments. 5,3,1 prepayment penalty is in place for the first three years. This is for owner occupied properties where the borrowers business will occupy at least 51% of the rentable square footage. While this is an SBA product this is a program unique to this bank. Nebo Capital has a strong relationship with the Southern California SBA Office which is actively sourcing new deals in the $1 Million to $5 Million loan size and can do deals nationally.