Your SBA 504 Loan Expert

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Your SBA 504 Loan Expert

Lending Programs

SBA 504 Loan

The SBA 504 Loan Program: Helping Small Businesses Think Big!

A long-term, fixed-rate solution with 10, 20, & 25 year terms available. The U.S. Small Business Administration established the 504 loan to help businesses purchase owner-occupied commercial real estate and equipment while retaining working capital.

The SBA 504 loan puts financing within reach for small businesses through low down payments and long-term, low, fixed interest rates. It also reduces the risk to lenders through a shared financing structure.

Eligible 504 loan uses:

  • Land and building purchases
  • New construction or renovation
  • Heavy machinery or equipment purchases and moving expenses
  • Soft costs (e.g., appraisals, title searches, attorney’s fees, etc.)
  • Refinance for eligible owner occupied commercial real estate debt  

The SBA 504 loan boosts business expansion and supports economic development in communities nationwide.