Fuel your business with strategic asset acquisition.
The SBA 504 Loan offers you purchasing power with favorable terms. Acquire or enhance key business property, primarily real estate or equipment. Leverage this program to strengthen your business foundation. We'll do the leg work.
Long-Term,
Fixed-Rate Financing
Predictability has its place. Benefit from consistent payments and terms up to 25 years for real estate purchasers. Your SBA 504 Loan will allow you to plan for the future with confidence.
Low
Down Payments
Preserve your working capital with down payments as low as 10%. Retaining liquidity helps you manage unexpected obstacles and take advantage of welcome opportunities.
Competitive SBA 504
Loan Rates
Access some of the most competitive rates available for small business financing, often lower than conventional commercial loans.
SBA 504 Loan Requirements
To be eligible for an SBA 504 loan, your business must:
- Operate for profit in the United States
- Be a small business as defined by the SBA:
- Have a tangible net worth of less than $20 million
- Have an average net income of less than $6.5 million after federal income taxes for the two years preceding your application
- Have reasonable invested equity
- Demonstrate a need for the loan proceeds
- Use the funds for a sound business purpose
- Have no delinquencies on any existing debt obligations to the U.S. government
Frequently Asked Questions
Why would I take an SBA 504 Loan?
How much can I borrow with an SBA 504 loan?
What scale of projects are eligible for SBA 504 loan funding?
What are the typical terms for an SBA 504 loan?
Do SBA 504 loans require owner occupancy?
How are SBA 504 loan rates determined?
Connect With Us
Our SBA lending team is well-versed in the SBA 504 loan process. We’re ready to take on the necessary back-and-forth interaction, managing every step from application to approval. Let's work together to secure the financing your business needs to grow and thrive.
Related Products
Traditional Equipment Loans
Power your business growth with flexible financing for essential equipment.
SBA 7(a) Loan
Versatile financing up to $5 million for various business needs, from expansion to working capital.
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