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SBA 504 Loan Guide

The SBA 504 Loan program is a great way for small businesses to get the financing they need to grow. This guide will help you understand how the program works and how to get started.

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Get an SBA 504 Loan for Your Small Business

If you’re looking for a way to purchase real estate, heavy equipment, or other fixed assets for your small business, an SBA 504 loan could be a fantastic solution. In 2023, the SBA guaranteed approximately $6.5 billion in 504 loans, making it one of the fastest growing loan programs the SBA has to offer. Here are a few facts about the SBA 504 loan:

Loan Size	SBA 504 loans don't truly have a maximum, but most loans are between $1 and $5 million.
Loan Term	Up to 25 years
Interest Rates	Vary, but current maximum interest rates for the CDC portion of an SBA 504 loan are between 2.08% and 2.18% above the relevant U.S. Treasury Index
Loan Use	Land, real estate, heavy equipment, and other fixed assets. 504 loans are not allowed for working capital.
Credit Score	No official minimum score set by the SBA, but lenders typically require scores of 680+
Down Payments	Minimum 10% down payment required for most borrowers
Timing	Typically takes between 65 to 75 days to close on real estate loans; heavy equipment loans may close faster

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10%

of FDIC insured banks

$200B

applications

3 million

businesses helped

SBA 504 Loan Terms and Requirements

If you want an SBA 504 loan, your business will have to meet certain requirements, including:

Must be within the SBA size limit for your specific industry
Cannot be involved in lending, real estate investing, gambling, speculation, or illegal businesses
Your business typically must demonstrate that it will create jobs in the area in which it is located

All SBA 504 requirements

Getting a small business loan should be easy.⁠ Now it is.

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