SBA 504 Financing for Real Estate and Equipment
SBA 504 is built for long-term fixed assets like owner-occupied real estate and major equipment. We tell you whether it fits, then find the lender and get you funded.
How SBA 504 works
A 504 project typically combines a loan from a bank or other lender with a loan from a Certified Development Company (CDC), backed by the SBA, plus the borrower's own contribution.
When it fits
Buying or building owner-occupied commercial real estate, renovating a facility, or buying major long-life equipment. It is generally not used for working capital or inventory.
Where we help
- We compare 504 and 7(a) for your project.
- We build the package.
- We coordinate with the lender and the CDC.
- We review term sheets with you.
Frequently Asked Questions
It depends on what the money is for. 504 is built for real estate and major equipment. 7(a) is more flexible and can cover acquisitions, working capital, and mixed uses. We will walk through both on the first call.