SBA 504
Build a lasting foundation.
SBA 504 financing for eligible major fixed assets, with 10-, 20-, or 25-year maturity options. Ordinary working capital and inventory are excluded.
UNDERSTAND YOUR OPTIONS
Built around your business.
The SBA 504 program supports eligible major fixed-asset projects through Certified Development Companies and participating senior lenders. It is designed for investment in facilities and long-lived equipment rather than ordinary working capital.
Program at a glance
- Eligible business facilities and long-lived equipment
- 10-, 20-, or 25-year maturity options
- Not for ordinary working capital or inventory
Where it can fit
- Eligible owner-occupied commercial property
- Construction and improvements for business use
- Long-lived machinery and major equipment
What to consider
- A 504 project generally combines a senior lender, a Certified Development Company, and borrower equity.
- 504 financing cannot fund ordinary working capital or inventory.
- Project eligibility, occupancy requirements, and required equity depend on the transaction.
GET PREPARED
A stronger start.
A clearer process.
Your advisor will confirm the documents required for your specific program. Here are common starting points.
Business financial statements and tax returns
Ownership, project cost, and proposed equity information
A LITTLE MORE CLARITY
SBA 504.
Your questions.
Can I use SBA 504 for payroll or inventory?+
No. SBA 504 is designed primarily for eligible fixed assets, not ordinary working capital or inventory. Consider other programs for those uses.
What amount and terms can I qualify for?+
The lender determines available amounts, terms, costs, and any guarantees or collateral after reviewing the file. This page is an overview, not an approval or offer.
How do I get started?+
Start an application or speak with an advisor. We will review your goals, explain the documentation, and help you understand available financing options.
Program reference: U.S. Small Business Administration ↗
OTHER PATHS TO EXPLORE
More possibilities.
↗Streamlined SBA
SBA Bolt
Streamlined SBA financing up to $150,000. Eligible, complete files may fund in around 10 days; participating-lender requirements apply.
Explore solution↗↗SBA financingSBA Express
SBA-backed term loans or credit lines up to $500,000. Accelerated SBA review is separate from the lender’s approval and funding timeline.
Explore solution↗↗Long-term investmentSBA 7(a)
SBA 7(a) loans up to $5 million for eligible working capital, acquisitions, refinancing, real estate, and equipment. Lender underwriting applies.
Explore solution↗CAPITAL FOR WHAT’S NEXT
Your next move starts here.
Let’s talk about your business, your goals, and the capital that can help you get there.