Home » SBA Loan Programs » SBA 504 Loan Program
SBA 504 Loans for Owner-Occupied Commercial Real Estate
Long-term, fixed-rate financing designed for businesses purchasing or improving their own commercial property.
See If You Qualify
What is an SBA 504 loan?
The SBA 504 program is specifically designed for major fixed asset purchases, including commercial real estate and large equipment.
It uses a two-loan structure:
- A bank loan (typically 50%)
- An SBA-backed portion (up to 40%)
- Borrower equity (starting at 10%)
Benefits
- Fixed-rate SBA portion
- Terms up to 25 years
- Lower down payments than many conventional options
- Ideal for purchasing or renovating commercial property
Ideal For
- Owner-occupied property purchases
- Business relocations
- Ground-up construction
- Major facility expansions
Process
Pre-Qualification
Structuring
