SBA 504 LOANS

SMART FINANCING.
STRONGER BUSINESSES.
Low Down Payments. Long-Term Fixed Rates.
Built for Growth.

SBA 504 loans are designed to help owner-occupied businesses purchase fixed assets with long-term, fixed-rate financing and low down payments.

1st Coastal Commercial Capital partners with SBA Certified CDCs and lenders nationwide to structure the right 504 solution for your business.

LET'S DISCUSS YOUR PROJECT 888-316-1787

Why Choose SBA 504?

Low Down Payment

As low as 10% down.

Long-Term, Fixed Rates

Up to 25 years for real estate.

Preserve Cash Flow

Keep working capital for what matters most.

Grow Your Business

Finance expansion, equipment and more.

Backed By The SBA

Strength and stability you can count on.

THE BENEFITS OF SBA 504 FINANCING

Low Down Payment

As low as 10% down depending on the project and structure.

Fixed-Rate Financing

Long-term, fixed-rate terms available on predictable payments.

Long Terms

Up to 25 years for real estate and 10 years for equipment.

Preserve Cash Flow

Finance growth while keeping your working capital intact.

Finance Bigger Projects

Ideal for real estate purchases, renovations and major upgrades.

Backed By The SBA

Government-backed program designed to support business growth.

Eligible Uses

Owner-occupied real estate
Building purchase or construction
Renovations and improvements
Machinery and equipment
Land with building construction
Refinancing existing 7(a) or 504 debt
Energy efficiency improvements

Typical SBA 504 Structure

50% First Lien Bank
(Lender)
40% SBA 504 Loan
(CDC)
10% Borrower Equity

This structure allows you to finance up to 90% of your project with long-term, fixed-rate financing.

Eligibility Requirements

For-profit business
Owner-occupied property
Meets SBA size standards
Demonstrated ability to repay
Good business purpose
U.S. business operating in the U.S.
SBA

SBA 504 LOAN TERMS

Loan Amounts

$125,000 to
$5,000,000+

Owner Equity

As low as 10%

Fixed Rates

Long-term, fixed interest rate

Terms

Up to 25 years for real estate

Prepayment

Available with certain terms

Fees

Competitive fees through CDC

THE SBA 504 LOAN PROCESS

1

Consultation

We learn about your business and project goals.


Discuss needs and structure.

2

Eligibility Review

We determine eligibility and structure the right 504 solution.


Analyze requirements and project details.

3

Application

We work with our partners to prepare and submit all required documents.


Coordinate with CDC and lender.

4

Approval

SBA and lender partners review and approve the financing.


Move forward to closing.

READY TO GROW YOUR BUSINESS?

Our team will connect you with the right SBA 504 lenders and CDC partners to get your project funded.

Expert Guidance
Typical Savings
Competitive Rates
Proven Results
GET STARTED TODAY
Quick Response Times
No Cost Check
No Cost Consultation
Confidential & Secure