{"id":141,"date":"2015-10-09T17:24:05","date_gmt":"2015-10-09T17:24:05","guid":{"rendered":"http:\/\/themedemo.commercegurus.com\/broker\/?page_id=141"},"modified":"2025-06-25T02:02:35","modified_gmt":"2025-06-25T02:02:35","slug":"sba-504-loans","status":"publish","type":"page","link":"https:\/\/sunbeamfinancialservices.com\/?page_id=141","title":{"rendered":"SBA 504 Loans"},"content":{"rendered":"

[vc_row type=”container” padding_top=”” padding_bottom=””][vc_column width=”1\/2″ css=”.vc_custom_1444995043702{margin-bottom: 35px !important;}”][vc_column_text css=”.vc_custom_1750790302942{margin-bottom: 20px !important;}”]<\/p>\n

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.<\/p>\n

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.<\/p>\n

[\/vc_column_text][\/vc_column][vc_column width=”1\/2″][vc_single_image image=”71406″ img_size=”full” add_caption=”yes” onclick=”link_image” css=””][\/vc_column][\/vc_row][vc_row type=”container” padding_top=”” padding_bottom=”” css=”.vc_custom_1444504142602{margin-bottom: 0px !important;}”][vc_column][vc_separator color=”#e2e2e2″ type=”normal” thickness=”1″ up=”” down=”” el_class=”dotted”][\/vc_column][\/vc_row][vc_row type=”container” padding_top=”” padding_bottom=””][vc_column][vc_column_text css=””]<\/p>\n

Strategic Use of Credit Lines<\/b><\/h2>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”container” padding_top=”” padding_bottom=””][vc_column][vc_tta_tabs style=”flat” active_section=”1″][vc_tta_section title=”Use” tab_id=”1444300654474-2bfb86dc-fd3a”][vc_column_text css=””]<\/p>\n

SBA 504 loans are best suited for:<\/p>\n

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    Purchasing or constructing an owner-occupied commercial facility<\/p>\n<\/li>\n

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    Major facility improvements or renovations<\/p>\n<\/li>\n

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    Long-life equipment and machinery purchases<\/p>\n<\/li>\n

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    Projects requiring lower down payments with fixed-rate terms<\/p>\n<\/li>\n<\/ul>\n

    These loans are ideal for stable businesses looking to control their operating space long-term.<\/p>\n

    [\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Underwriting Considerations” tab_id=”1444300654691-e081e086-5ad3″][vc_column_text css=””]<\/p>\n

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      Business tax returns and financial statements<\/p>\n<\/li>\n

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      Ownership structure and operating history<\/p>\n<\/li>\n

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      Real estate purchase contract or construction bids<\/p>\n<\/li>\n

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      Appraisal and environmental reports<\/p>\n<\/li>\n

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      Equipment invoices, if applicable<\/p>\n<\/li>\n

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      Personal financials of principals<\/p>\n<\/li>\n

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      Occupancy certification for SBA compliance<\/p>\n<\/li>\n<\/ul>\n

      We coordinate with both the bank lender and the CDC to streamline approvals and closing.<\/p>\n

      [\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Related Credit Products” tab_id=”1750787233557-46f24264-03ef”][vc_column_text css=””]<\/p>\n

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        SBA 7(a) Loans<\/b><\/span> \u2013 For working capital, business acquisition, or real estate<\/p>\n<\/li>\n

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        Conventional CRE Loans<\/b><\/span> \u2013 For projects not meeting SBA criteria<\/p>\n<\/li>\n

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        Refinance with Cash-Out<\/b><\/span> \u2013 For clients with existing eligible debt<\/p>\n<\/li>\n

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        Equipment Financing<\/b><\/span> \u2013 For machinery not bundled with property<\/p>\n<\/li>\n<\/ul>\n

        [\/vc_column_text][\/vc_tta_section][\/vc_tta_tabs][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

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We help clients navigate the […]<\/p>\n","protected":false},"author":1,"featured_media":145,"parent":71247,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-141","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nSBA 504 Loans - Sunbeam Financial Services<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sunbeamfinancialservices.com\/?page_id=141\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SBA 504 Loans - Sunbeam Financial Services\" \/>\n<meta property=\"og:description\" content=\"[vc_row type=”container” padding_top=”” padding_bottom=””][vc_column width=”1\/2″ css=”.vc_custom_1444995043702{margin-bottom: 35px !important;}”][vc_column_text css=”.vc_custom_1750790302942{margin-bottom: 20px !important;}”] SBA 504 loans are designed to support the purchase, construction, or improvement of owner-occupied commercial real estate and heavy equipment. 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