SBA 504 loans are designed to support the purchase, construction, or improvement of owner-occupied commercial real estate and heavy equipment. These loans combine a conventional first mortgage with a government-backed second loan, reducing lender risk and borrower equity requirements.
We help clients navigate the SBA 504 process by coordinating with Certified Development Companies (CDCs), structuring loan packages, and preparing documentation that aligns with SBA eligibility standards. Our goal is to ensure approval, funding, and long-term affordability through fixed-rate terms and predictable amortization.
Strategic Use of Credit Lines
SBA 504 loans are best suited for:
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Purchasing or constructing an owner-occupied commercial facility
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Major facility improvements or renovations
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Long-life equipment and machinery purchases
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Projects requiring lower down payments with fixed-rate terms
These loans are ideal for stable businesses looking to control their operating space long-term.
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Business tax returns and financial statements
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Ownership structure and operating history
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Real estate purchase contract or construction bids
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Appraisal and environmental reports
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Equipment invoices, if applicable
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Personal financials of principals
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Occupancy certification for SBA compliance
We coordinate with both the bank lender and the CDC to streamline approvals and closing.
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SBA 7(a) Loans – For working capital, business acquisition, or real estate
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Conventional CRE Loans – For projects not meeting SBA criteria
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Refinance with Cash-Out – For clients with existing eligible debt
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Equipment Financing – For machinery not bundled with property