SBA 504 Loans
Long-term, fixed-rate financing for commercial real estate and major equipment purchases with low down payments and competitive terms.
Up to $5.5 Million
Maximum project amount
10-20 Years
Fixed rate terms
10% Down
Low equity injection
SBA 504 Loan Features
Eligible Uses
How SBA 504 Financing Works
SBA 504 loans use a unique three-part financing structure that provides favorable terms and low down payments.
Bank Loan
A conventional bank loan covers 50% of the project cost with competitive market rates.
SBA Debenture
SBA provides 40% through a fixed-rate debenture with below-market rates.
Down Payment
Borrower contributes only 10% equity, making real estate more accessible.
Eligible Property Types
SBA 504 loans can be used for a wide variety of commercial real estate properties.
Office Buildings
Retail Centers
Warehouses
Manufacturing Facilities
Mixed-Use Properties
Hotels & Motels
Gas Stations
Car Washes
SBA 504 Qualification Requirements
Understanding the requirements helps ensure your project qualifies for SBA 504 financing.
Business Size
Must meet SBA size standards and have a tangible net worth under $15 million
Owner Occupancy
Must occupy at least 51% of the property for existing buildings
Job Creation
Must create or retain 1 job per $75,000 of SBA financing
Equity Injection
10% equity required from business owner
SBA 504 Application Process
Our experienced team guides you through every step of the SBA 504 process.
Pre-qualification
Initial review of your project and qualifications
Documentation
Gather required business and project documentation
SBA & Bank Approval
Simultaneous review by SBA and bank partner
Closing & Funding
Close both loans and receive project funding
Ready to Finance Your Commercial Real Estate?
Take advantage of SBA 504's fixed rates and low down payment to acquire your commercial property.