SBA 504 Loans
Long-Term Fixed-Rate Business Financing
Long-Term, Fixed-Rate Financing for Real Estate & Equipment
SBA 504 Loans
If your business is ready to purchase real estate, expand facilities, or invest in major equipment, SBA 504 Loans offer one of the most powerful and affordable funding options available.
How SBA 504 Loans Work
SBA 504 loans are usually structured as:
- 50% funded by a bank or lender
- 40% funded by a Certified Development Company (SBA-backed)
- 10% borrower down payment (may be higher for startups or special-use properties)
Get the Funds You Need
Small businesses loans up to $5 million
Easy to Manage Payments
Repayment terms up to 25 years
SBA Guaranteed
At least 50% of loan amount guaranty
What is SBA 504 Financing?
Introducing the SBA 504(b) Program:
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- Loan Amount: Up to $5,000,000
- Terms: 10, 20, or 25 years
- Rates: Typically 3% – 6% (fixed)
- Funding Timeline: Typical fund 30–60 days depending on documentation and property type
- Collateral Required: Real estate or equipment being financed
- Guarantee Required: Personal guarantee
- Qualification Requirements: To qualify for an SBA 504 loan, businesses typically must meet the following:
- 650+ personal credit score
- Established business history
- Strong financials and repayment ability
- Property or equipment must be owner-occupied (generally 51%+)
- Personal guarantees from owners 20%+
- Demonstrated economic development benefit (job creation or community impact)
- Loan Amount: Up to $5,000,000
Faster Funding’s
SBA 504 Loans help grow your small business.
SBA 504 Loans are government-backed, long-term financing programs designed to help small businesses purchase commercial real estate, heavy machinery, and large fixed assets. Offered through the U.S. Small Business Administration in partnership with Certified Development Companies (CDCs) and traditional lenders, the 504 program provides low down payments, long repayment terms, and fixed interest rates, making it one of the most affordable financing solutions available.
This program is ideal for businesses seeking to expand operations, acquire property, modernize facilities, or purchase major equipment without putting excessive strain on cash flow.
Benefits of SBA 504 Loans
SBA 504 Loans offer long-term, fixed-rate financing designed to help businesses acquire major fixed assets while preserving working capital. Ideal for purchasing or renovating owner-occupied real estate, heavy equipment, or machinery, these loans feature low down payments, predictable monthly payments, and extended repayment terms. By locking in stable interest rates and spreading costs over many years, SBA 504 Loans allow businesses to invest in growth, build equity, and strengthen their balance sheet without straining day-to-day cash flow.
- Long-term fixed interest rates
- Lower down payments than conventional loans
- Ideal for commercial real estate and equipment purchases
- Predictable monthly payments
- High loan limits up to $5 million
- Preserve working capital while expanding
SBA 504 loans may be used for:
- Purchasing owner-occupied commercial real estate
- Constructing new buildings
- Expanding or renovating facilities
- Purchasing heavy or long-life equipment
- Refinancing qualified fixed-asset debt
- Land acquisition tied to construction
At Faster Funding, we understand that small businesses need access to capital in order to grow and thrive. That’s why we offer SBA 504 loans, designed to provide small businesses with the long-term financing they need to invest in real estate, equipment, and other business assets.
The U.S. Small Business Administration does not provide loans (except those through the Disaster Loan program)–they help small businesses get loans by guaranteeing a significant portion of loans offered by participating lenders. The SBA sets detailed standards these loans must meet. If the lender has followed the SBA guidelines and the borrower defaults, the SBA will pay the guaranty amount to the lender. The SBA may try to collect from the defaulted borrower (as a federal agency it has some significant collection powers).
How We Work. Our Mission & Values
At Faster Funding, we’re committed to helping businesses of all sizes succeed. Our SBA 504 Loans are just one of the many ways we’re working to make that happen.
To learn more about our SBA loans or to apply for other types of funding, please contact us. Our team of experts is standing by to help you find the perfect lending solution for your business.
Faster Funding is Here to Help
Frequently Asked Questions
We understand you are probably wondering how this all works. Here are some key topics to help you make informed decisions to unlock your business’s growth opportunities.
Are SBA 504 rates fixed?
Yes. The SBA portion offers long-term fixed rates for up to 25 years.
Can startups qualify?
Some startups qualify, but may require higher down payments.
Can I buy investment property?
No. SBA 504 is for owner-occupied commercial properties only.
Can equipment be financed?
Yes. Heavy, long-life equipment is a primary use of SBA 504 loans.
Get Started
Contact us to learn more about our SBA 504 loan program. Our team of experts is standing by to help you find the perfect financial solution for your business.
