SBA 504 Financing
Long-term financing for qualifying owner-occupied real estate, facilities and major fixed equipment.
At a Glance
SBA 504 is generally intended for fixed assets rather than ordinary working capital.
What It Can Be Used For
Owner-Occupied Real Estate
Purchase commercial property for your business.
Facility Construction
Build or expand facilities.
Major Equipment
Finance large fixed-asset equipment purchases.
How It Works
Capital Assessment
Tell us about your business and financing objective.
Financial Review
We review your profile and potential financing structure.
Match Financing
Qualified opportunities go to appropriate participating lenders.
Underwriting & Closing
The selected lender completes underwriting and closing.
Who It May Fit
Educational qualification factors — not a guarantee of approval.
- Businesses purchasing owner-occupied real estate
- Companies investing in major fixed equipment
- Established businesses with stable cash flow
- Businesses meeting SBA 504 eligibility
Documents Commonly Requested
- Most recent business tax return
- Prior business tax return
- Current year-to-date P&L
- Current balance sheet
- Business debt schedule
- Business bank statements
Estimate Your Financing
Use this calculator to explore potential payment scenarios.
A financing calculator is available on the homepage. Adjust amount, rate and term to estimate monthly payments.
Open CalculatorFor illustrative purposes only. This calculator does not constitute a loan offer, rate quote, approval, or commitment to lend. Actual rates, terms, payments and eligibility are determined by participating lenders and may vary based on the applicant, loan program and use of proceeds.
Frequently Asked Questions
Ready to Explore Your Options?
Start with a Capital Assessment and we'll help identify the right path.
