Lower equity requirements than many conventional structures
We evaluate how this benefit applies to your specific request and lender options.
Long-term fixed-asset financing
SBA 504 Loans
A government-backed financing program designed primarily for purchasing, constructing, renovating, or expanding owner-occupied commercial real estate and purchasing long-life equipment.
Common uses
Purchase an office building
Buy a warehouse
Construct a manufacturing facility
Expand an existing building
Complete major renovations
Purchase heavy machinery
Key advantages
Long repayment terms
We evaluate how this benefit applies to your specific request and lender options.
Fixed interest rate on the CDC portion
We evaluate how this benefit applies to your specific request and lender options.
Preserves working capital for operations
We evaluate how this benefit applies to your specific request and lender options.
Who it may fit
Ideal borrowers
- Growing businesses
- Medical and dental practices
- Manufacturers
- Contractors
- Professional offices
- Automotive businesses
- Restaurants
From tenant to owner
ABC Manufacturing has leased 20,000 square feet for years. An SBA 504 structure helps it purchase a $2.5 million industrial building with long-term financing, stable payments, and less cash down than many conventional options.
Illustrative example only. Actual terms and eligibility vary.SBA 504 FAQs
Eligible, for-profit U.S. small businesses with a sound business purpose and the ability to repay may qualify, subject to SBA and lender guidelines.
Start a conversation
Could SBA 504 financing fit your next move?
We’ll review your goals, project costs, and financial profile, then outline the most practical next steps.