SBA 504 loans are designed to help businesses purchase owner-occupied commercial real estate, heavy equipment, or long-term fixed assets with below-market rates and extended repayment terms. This program is backed by the U.S. Small Business Administration and offers a unique structure that combines private lending with SBA participation.
We assist clients in securing SBA 504 financing by partnering with Certified Development Companies and lenders familiar with the program. These loans support long-term growth by enabling clients to build equity while preserving cash flow.
SBA 504 loans offer affordable, long-term capital for commercial real estate and equipment purchases.
Common Use Cases for SBA 504 Loans
Clients use SBA 504 loans to buy office buildings, warehouses, retail spaces, and other properties they will occupy for business operations.
The program supports new builds, facility expansions, or major renovations for eligible owner-occupied properties.
SBA 504 funds can be used to acquire long-term equipment assets critical to production, manufacturing, or distribution.
Some existing commercial debt may be refinanced under the SBA 504 program if it meets specific eligibility requirements.
SBA 504 Financing Insights
SBA 504 loans require a structured application process and strict eligibility guidelines. Lenders assess the borrower’s credit, business financials, and the use of funds, while the SBA reviews the broader economic impact of the project.
Our approach includes:
-
Evaluating program eligibility and borrower qualifications
-
Coordinating with Certified Development Companies and private lenders
-
Assisting with financial documentation, projections, and SBA forms
-
Structuring loans that meet both lender and SBA requirements