SBA 504, The Wealth Creator

Designed to help your business create wealth by purchasing your commercial real estate.

Our SBA 504 loan program is used for purchasing, renovating, financing or constructing owner occupied/owner operated commercial real estate or buying heavy equipment.

What types of properties do we finance?

SBA 504

SBA 504

$250K to $22M

Loan amounts.

As of 1/1/23.


SBA 504

10 to 25 year


As of 1/1/23.

Businessman discussing project with colleague

Not sure if you’re eligible?

  • For-profit, non-publicly traded businesses
  • Tangible business net worth (including affiliates) not to exceed $15 million
  • Average net income of the business not to exceed $5 million over the previous two years
  • Ownership must generally be comprised of 51% U.S. citizens or Legal Permanent Residents
  • Non-profits (except sheltered workshops)
  • Passive holders of real estate and/or personal property
  • Lending institutions (mortgage brokers and correspondent lenders are eligible)
  • Life insurance companies (franchised agents are eligible)
  • Businesses located in a foreign country
  • Businesses selling products or services through a pyramid plan
  • Gambling concerns
  • Businesses which restrict patronage
  • Government owned entities (excluding Native American tribes)
  • Consumer and marketing cooperatives (producer cooperatives are eligible)
  • Churches
  • Businesses engaged in loan packaging
  • Businesses that have previously defaulted on a Federal loan
  • Businesses engaged in lobbying activities
  • Businesses of a sexually prurient nature
  • Medical offices or medical facilities (such as labs and clinics)
  • Office buildings (including office condos)
  • Warehouses (and other industrial properties)
  • Day care facilities (for children or adults)
  • Free-standing restaurants
  • Limited-service, flagged hotels (some unflagged destination hotels will be considered)
  • Auto repair shops
  • Assisted-living facilities
  • Call to ask about many other property types that are eligible

How to get started.

Step 1

Complete your application.

Apply online directly with no hassle, and once we receive your application you’ll be contacted by one of our Loan specialists to help you understand next steps.

Step 2

Connect with a loan specialist.

Once you’ve received your approval, one of our Loan Specialists will reach out and walk you through next steps.

Step 3

Get approved. Get funded.​

After everything is reviewed and approved, you’ll be on your way to closing your loan to help move your business forward.

Latest News & Insights