Looking for long-term, low-rate financing for your next owner-occupied commercial property? That’s what SBA 504 loans are designed for. Offering SBA 504 financing nationwide, we help business owners secure capital to purchase, refinance, or expand their commercial real estate. With low down payments and fixed-rate options, we provide one of the most effective financing solutions for long-term business growth.
How SBA 504 Financing is Structured
SBA 504 loans are typically structured using two to three layers of capital, including a conventional lender, a Certified Development Company (CDC), and borrower equity. This structure allows business owners to access higher leverage while maintaining favorable long-term terms.
Eligible Uses of SBA 504 Loan Funds
SBA 504 financing can be used for a variety of commercial real estate and business purposes, including property acquisition, refinancing, construction, and major equipment purchases. These loans are specifically designed for owner-occupied properties to support long-term operational growth.
- Owner-Occupied Office Buildings
- Industrial & Warehouse Facilities
- Retail Properties & Strip Centers (Owner-Occupied)
- Medical & Healthcare Facilities
- Manufacturing Facilities
- Hotels & Hospitality Properties (Owner-Operated)
- Equipment & Machinery for Business Operations
- Restaurants & Franchise Locations
- Mixed-Use Properties (Majority Owner-Occupied)
- Commercial Land & Ground-Up Development Projects
SBA 504 Loan Terms & Key Features
Access long-term, low-rate financing structured to support your business growth. With our expertise and lender network, we simplify the SBA 504 process and deliver strategic solutions tailored to your commercial real estate goals.
Fixed Interest Rates for Long-Term Stability
Low Down Payments (Typically 10–15%)
Available for Owner-Occupied Commercial Properties
Supports Purchase, Refinance, and Construction
25-Year Amortization Options
Loan Amounts Up to $15 Million+
Expertise in Commercial & Hospitality Assets
Ideal for Hospitality, Retail, Medical, and Industrial Assets
Recent SBA 504 Loan Transactions
$8,600,000
Fairfield Inn & Suites
90% Financing
$7,600,000
La Quinta Inn & Suites
85% Project-Based Financing
$2,800,000
Restaurant Acquisition
90% Financing
