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Low-Down-Payment
SBA 504 Loans with Fixed Rates

SBA 504 Loans
 Business Loans

Program Overview

Long-term, fixed-rate financing for owner-occupied commercial real estate and major equipment purchases.

Project Size

$500K to $20MM plus

Leverage

Up to 90%

Terms

10, 20, or 25 years fixed

Structure

Bank first mortgage plus SBA debenture

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No balloon payments

No prepayment penalties

Approvals based on projections

Refinance high-cost debt

Lower equity and longer terms

Below-market fixed rates

Ideal for expansion or ground-up construction

Can combine with SBA 7(a) or conventional debt

Representative Transactions

Manufacturing facility purchase, Ohio

  • $4.6MM SBA 504 project

Medical office build, Florida

  • $2.9MM project with equipment and build-out

Distribution warehouse acquisition, Tennessee

  • $7.8MM project, 25 year second mortgage

Auto service center expansion, Arizona

  • $1.2MM equipment and facility expansion

Frequently
 Asked Questions

Here are a few frequently asked questions to help clarify common concerns and provide quick, helpful answers.

What qualifies for SBA 504?
Owner-occupied real estate or major equipment.

At least 51 percent for existing space, 60 percent for new construction.

Yes, for up to 25 years for real estate and 10 years for equipment

Yes, often used for total project financing.

K2 Capital