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SBA 504 Loans


The U.S. Small Business Administration established the 504 loan program to help businesses purchase or expand commercial real estate and acquire equipment while preserving working capital.  A 504 loan puts such fixed-asset projects within reach for small businesses by requiring lower down payments than conventional financing and providing long-term, fixed-rate interest rates.  It also reduces the risk to lenders through its structure as second mortgage financing.

Eligible 504 loan uses:

  • Land and building purchases
  • Building construction, expansion, and remodeling
  • Equipment and machinery purchases
  • Professional fees and soft costs (i.e. appraisals, attorney fees, etc...)

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