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    SBA 504 Loans for Commercial Real Estate & Equipment

    • Up to 90% financing
    • Longer loan amortization
    • Fixed-rate interest rates and 
    • Savings that result in lower monthly payments and improved cash flow for small businesses. 


    The 504 Loan program offers small business financing for commercial real estate and equipment. You benefit from both immediate and long-term benefits, so you can focus on growing your business.

    Loan Structure

    Get up to 90% Financing with an SBA 504 Loan

    SBA 504 Loans are typically structured with SBA providing 40% of the total project costs, a participating lender covering up to 50% of the total project costs, and the borrower contributing 10% of the project costs. Under certain circumstances, a borrower may be required to contribute up to 20% of the total project costs.

    The use of proceeds from 504 loans must be used for fixed assets (and certain soft costs), including purchase, construction, or refinance of owner-occupied commercial real estate or equipment.