SBA 504

SBA 504 Loan Program: Financing Your Business Expansion

The SBA 504 Loan Program offers long-term financing for small businesses to purchase major fixed assets like real estate and equipment. Whether you’re expanding or modernizing, this program provides favorable terms compared to traditional financing options.

Why Choose the SBA 504 Loan Program?

1. Flexible Loan Amounts

Get financing of up to $5.5 million for real estate and equipment projects, depending on the specifics of your project. It’s designed to support significant business investments.

2. Ideal for Growth & Modernization

Perfect for purchasing, constructing, or renovating commercial real estate, as well as buying equipment to expand or modernize your operations.

3. Low Down Payment

With a 10% borrower contribution, the SBA 504 loan is more accessible than traditional loans, reducing the upfront financial burden on your business.

4. Long-Term Financing

Enjoy long-term repayment terms of up to 25 years for real estate and 10 years for equipment, providing predictable, manageable payments over time.

5. Fixed Interest Rates

Lock in fixed interest rates on the SBA portion of the loan, ensuring predictable payments and better financial planning for your business.

6. Competitive Financing Terms

The SBA covers up to 40% of the loan, giving you access to favorable terms and a more affordable financing option compared to traditional loans.

7. Build Equity & Ownership

With the SBA 504 Loan, you can purchase property instead of leasing, building long-term equity and reducing dependence on renting, which strengthens your business's financial foundation.