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504 loans

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What is the 504 loan program?

The 504 loan program offers long-lasting, fixed rate funding for major fixed assets that promote business growth and job creation.

504 loans are available through Certified Development Companies (CDCs), SBA's community-based not-for-profit partners who promote economic development within their communities. CDCs are licensed and controlled by SBA.

The maximum loan amount for a 504 loan is $5.5 million.

Am I eligible?

To be eligible for a 504 loan, your business should:

- Operate as a for-profit company in the United States or its ownerships.
Have a tangible net worth of less than $20 million.
Have an average net earnings of less than $6.5 million after federal income taxes for the 2 years preceding your application

Other general eligibility requirements include falling within SBA size standards, having actually certified management expertise, a possible company strategy, excellent character and the ability to repay the loan.

Loans can not be made to organizations taken part in not-for-profit, passive, or speculative activities. For additional info on eligibility requirements and loan application requirements, small businesses and lending institutions are encouraged to get in touch with a Certified Development Company in their location.

How do I utilize a 504 loan?

A 504 loan can be used for a series of possessions that promote organization growth and job creation. These consist of the purchase or construction of:

- Existing structures or land.
New facilities.
Long-term equipment and devices with a beneficial staying life of a minimum of 10 years, including project-related AI-supported devices or equipment for manufacturing products.
Consolidating financial obligation under the conditions noted in 13 CFR 120.882, paragraph (e) and.
Repaying or re-financing debt defined as "qualified debt" under 13 CFR 120.882, paragraph (g)

Or the enhancement or modernization of:

- Land, streets, utilities, parking lots and landscaping.
Existing facilities

A 504 loan can not be used for:

- Working capital or stock.
Consolidating, repaying or re-financing debt that does not meet the meaning of "qualified debt" under 13 CFR 120.882, paragraphs (e) and (g).
Speculation or investment in rental real estate. The funding of AI-related working capital, intellectual residential or commercial property, or consulting services soft expenses

What do I need to use?

504 loans are offered solely through Certified Development Companies (CDCs). Find a CDC in your area to ensure you are handling a certified lender. CDCs are uniquely qualified to understand 504 loan program policies, and will help you navigate the lending institution channels to produce your job financing.

Find a CDC near you

Find Certified Development Companies (CDCs) licensed to provide 504 loans.

How do I repay my 504 loan?

Active 504 loans

Loan payment terms differ according to a number of factors. Borrowers with active 504 loans can pay through the Central Servicing Agent, normally by ACH monthly draws. Payments can likewise be made by wire or check.