SBA 504 Loans: Low-Cost Financing for Real Estate & Equipment
Secure the future of your business with long-term, fixed-rate financing for major fixed assets. Designed to promote business growth and sustainable job creation.
Scale your operations with significant capital injection for major acquisitions.
Predictable monthly payments with fully amortized, long-term repayment schedules.
Optimized capital stack: 50% Bank, 40% CDC, and only 10% Borrower equity.
Primary Use Cases
Strategic financing designed for high-impact capital investments that drive operational efficiency.
Commercial Real Estate
Purchase of land or existing buildings for business expansion, including ground-up construction.
Long-term Machinery
Acquisition of high-value equipment and machinery essential for core business production and services.
Facility Upgrades
Modernize utilities, streets, parking lots, and landscaping to increase asset value and utility.
Debt Refinancing
Refinance qualifying business debt in connection with business expansion to optimize cash flow.
SBA 504 Program Guidelines
Strategic details for business owners and financial controllers.
Program Requirements
For-Profit Companies Only
Must be a for-profit business operating in the United States.
Net Worth & Income Limits
Tangible net worth less than $15M and average net income less than $5M.
Job Creation Goals
Must create or retain one job for every $75,000 borrowed (varies by sector).
Financial Structure (50/40/10)
Note: For new businesses or special-purpose properties, borrower contribution may increase to 15-20%.
Ready to Anchor Your Business Future?
Our dedicated SBA advisors are ready to help you navigate the 504 process and secure institutional-grade financing for your next major milestone.