SBA 504 Loans
The SBA 504 loan is a government-backed program designed to help small businesses acquire owner-occupied commercial real estate with long-term, below-market fixed rates. It is ideal for businesses looking to buy or build their own facility while preserving working capital.
Our Services
We assist business owners in navigating the SBA 504 structure, which includes a first mortgage from a lender and a second mortgage from a Certified Development Company (CDC). We coordinate packaging, eligibility review, and real estate underwriting in one seamless process ensuring alignment between the business financials, the property asset, and SBA compliance.
Typical SBA 504 Requirements
- Property must be majority owner-occupied
- Minimum 10% down payment (can vary based on project type)
- Business financials and tax returns (2 to 3 years)
- Real estate appraisal and environmental review
- Project budget and use of proceeds
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Need low fixed rates and long terms?
SBA 504 loans offer terms up to 25 years with fixed interest rates, reducing monthly obligations and providing stability.
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Want to preserve working capital?
With as little as 10% down, you retain more liquidity to grow your business while locking in real estate ownership.
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Need to expand your operations?
504 loans are specifically designed for buying, building, or renovating commercial real estate that supports your business growth.
