SBA 504 Loans for Commercial Real Estate

Purchase, build, or renovate your commercial property with long-term, fixed-rate financing. Get up to $5.5 million with as little as 10% down.

Schedule Consultation

Low Down Payment

As little as 10% down for owner-occupied commercial real estate

Long Terms

10, 20, or 25-year terms with fixed interest rates

Build Equity

Own your building and build long-term business wealth

Benefits of SBA 504 Loans

Key Advantages

Low down payment - as little as 10%
Fixed interest rates for predictable payments
Long-term financing up to 25 years
Finance up to $5.5 million
No prepayment penalties
Build business equity instead of renting

Eligible Uses

Purchase commercial real estate
Buy land and construct new facilities
Renovate or expand existing buildings
Purchase heavy machinery and equipment
Refinance debt on owner-occupied property
Energy-efficient improvements

Qualification Requirements

To qualify for an SBA 504 loan, you must:

Business must operate for profit
Meet SBA size standards
Business net worth under $15 million
Average net income under $5 million (after taxes)
Owner-occupied property (51% minimum)
Good credit history

How SBA 504 Loans Work

50%

Bank Loan

Traditional lender provides 50% of project cost

40%

SBA Debenture

SBA provides up to 40% with fixed rates

10%

Your Down Payment

You contribute as little as 10%

This unique structure allows you to preserve working capital while securing long-term, affordable financing.

Ready to Own Your Commercial Property?

Let our SBA 504 loan experts guide you through the process. Get pre-qualified in 24 hours.

Contact an Expert