Long-term, fixed-rate financing for the building your business operates from and the major equipment it runs on. Put as little as 10% down and keep your cash in the business.
SBA 504 finances fixed assets your business will use, not investment property.
Purchase an existing building for your business.
Build a new facility from the ground up.
Purchase land for a future business location.
Upgrade, renovate or expand an existing building.
Major machinery and equipment with a useful life of 10 years or more.
Refinance conventional debt on owner-occupied property.
Terms available through our SBA lending partner. Final terms depend on the project and your business.
Send the property or equipment details, the purchase price or budget, and your business financials.
The bank funds the first loan and the SBA portion is arranged through a Certified Development Company.
Close on the property, move in, and lock in a long fixed payment on the SBA portion.
A typical 504 splits the project between a bank, the SBA and you.
Illustration only. Startups and special-purpose properties typically require more equity. Fees and closing costs are additional.
Use 504 when the project is mainly real estate or long-life equipment and you want a long fixed rate. Use SBA 7(a) when you also need working capital, are buying a business, or want one loan for several uses.
Yes, as long as your business occupies at least 51% of an existing building or 60% of a new one.
Often 15% for a new business or a special-purpose property such as a hotel or car wash, and 20% when both apply.
SBA 504 is for owner-occupied property only. For investment property, see long-term financing.
Rural businesses can also look at USDA B&I loans, which run up to 30 years.
Tell us about the property. We'll structure the 504 for you.
Terms shown are available through Capital Lending Group's SBA lending partner as of October 2026 and change without notice. SBA 504 loans are subject to SBA and Certified Development Company eligibility rules, lender credit approval and fees. Capital Lending Group, LLC is a loan broker, not the lender, and is not affiliated with the U.S. Small Business Administration.
Disclosure: Capital Lending Group, LLC is a loan broker, not the lender. We specialize in assisting businesses with the loan application process by connecting you with lenders who may provide financing. While we offer guidance and support throughout the application process, Capital Lending Group, LLC is not the lender and does not provide funding directly. Loan applications are subject to lender review and approval. Offerings and eligibility requirements vary by lender.
