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    SBA 504 loans for buildings and major equipment

    Long-term, fixed-rate financing for owner-occupied real estate and heavy equipment. Typically split three ways: a bank first mortgage (~50%), an SBA-backed second through a CDC (~40%), and your down payment (~10%).

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    Program terms
    Best forOwner-occupied buildings and heavy equipment at long fixed rates
    StructureBank first mortgage ~50%, SBA/CDC second ~40%, you ~10%
    SBA portionUp to $5M ($5.5M for manufacturers and energy projects)
    Total projectCan exceed $15M because the bank portion has no SBA cap
    Down payment10%; 15% for new businesses or special-purpose property; 20% for both
    Term10, 20 or 25 years on the SBA portion, fully amortizing
    RateSBA portion fixed for the life of the loan; bank portion set by the bank
    Occupancy51% for existing buildings; 60% for new construction
    PrepaymentDeclining penalty on the SBA portion during the first half of the term
    Time to closeAbout 60–90 days

    Typical ranges, not quotes. Final terms depend on the property, the borrower and the lender.

    How it works

    1. Tell us what you need and what you have. No documents, no credit pull.
    2. We review the realistic options and walk you through each.
    3. You choose a path; we send one document list and secure a term sheet.
    4. We manage underwriting and closing alongside you.

    Special situations

    Tax returns show a lossWhy bank and SBA lenders decline on weak tax returns, and the asset-based and bridge-to-SBA alternatives.How it gets solvedSBA occupancy ruleHow SBA measures owner occupancy on mixed-use buildings, and what happens when you fall short.How it gets solvedAppraisal split with equipmentHow an appraisal's split between real estate and FF&E can block USDA or SBA and change your capital stack.How it gets solved

    Related programs

    SBA 7(a) LoansThe SBA's main loan program: long terms and lower down payments for buying a business, buying or refinancing owner-occupied real estate, equipment, working capital, and refinancing expensive debt.View programOwner-Occupied Commercial LoansLoans for business owners buying or refinancing the building their business operates in: warehouses, shops, plants, offices, mixed-use.View programEquipment FinancingFinance new or used equipment, or borrow against equipment you already own.View program
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