A.gov site comes from a main federal government organization in the United States.

Secure.gov sites use HTTPS
A lock (Lock Locked padlock) or https:// implies you have actually securely connected to the.gov site. Share sensitive info only on authorities, safe and secure sites.

Get assistance for stated disasters

Businesses and people impacted by current catastrophes in Texas might be qualified for SBA help.

Primary Navigation

- Business Guide Explore our company guide
- 10 steps to start your organization
- Plan your service - Market research and competitive analysis
- Write your business strategy
- Calculate your startup expenses
- Establish business credit
- Fund your company
- Buy an existing organization or franchise

- Pick your company area
- Choose a company structure
- Choose your company name
- Register your business
- Get federal and state tax ID numbers
- Apply for licenses and authorizations
- Open a service checking account
- Get company insurance

- Manage your financial resources
- Hire and manage employees
- Pay taxes
- Stay lawfully certified
- Buy properties and equipment
- Marketing and sales
- AI for small service
- Strengthen your cybersecurity
- Prepare for emergencies
- Recover from catastrophes
- Close or offer your organization
- Hire employees with disabilities

- Get more financing
- Expand to brand-new areas
- Merge and get businesses
- Become a federal contractor
- Export items
- Women-owned services
- Native American-owned companies
- Veteran-owned organizations
- Military spouse services
- Rural organizations
- Minority-owned companies

- Loans - Make a payment to SBA
- 7( a) loans
- 504 loans
- Microloans
- Lender Match
- COVID-19 relief options

- SBIC directory site

- Texas floods
- California wildfires
- Hurricane Milton
- Hurricane Helene
- Physical damage loans
- Mitigation support
- Economic Injury Disaster Loans
- Military reservist loan

- Surety bond agency directory site

- Manufacturing grants
- State Trade Expansion Program (STEP).
- Grants for neighborhood organizations

- Contracting guide - Assess your business.
- Basic requirements.
- How to win contracts.
- Types of contracts.
- Size standards.
- Governing guidelines and responsibilities.
- Prime and subcontracting

- Small Disadvantaged Business.
- Women-Owned Small Business Federal Contract program.
- Veteran contracting assistance programs.
- 8( a) Business Development program.
- SBA Mentor-Protégé program.
- Joint endeavors.
- HUBZone program.
- Natural Deposit Sales Assistance program

- Contracting location directors.
- Procurement Center Representative directory.
- Commercial Market Representatives

- Small organization procurement scorecard.
- Disaggregated data

- MySBA Learning.
- Boots to Business.
- SBA THRIVE.
- Empower to Grow

- Resource Partners - Small Business Development Centers (SBDC).
- SCORE Business Mentoring.
- Veterans Business Outreach Centers (VBOC).
- Women's Business Centers

- Finance Managers.
- U.S. Export Assistance Centers

- Putting American makers first - Cutting red tape for little makers.
- Increasing access to capital.
- Make Onshoring Great Again website.
- Taking your manufacturing organization global.
- Manufacturing success stories

- Child care service development support.
- Interagency capital resources for small companies

- Community Builders Network.
- Small Businesses Against Trafficking face to faces (SBATiP)

- National Small Business Development Center Board Of Advisers.
- Invention, Innovation, and Entrepreneurship Advisory Committee.
- Investment Capital Advisory Committee.
- Small Company Lending Advisory Council.
- Regional Regulatory Fairness Boards

- SBA locations - Headquarters Offices.
- Disaster Offices.
- District Offices.
- Loan and Guaranty Centers

- FOIA.
- Digital SBA.
- About the SBA.gov site.
- SBA privacy program.
- Privacy Act demand guide.
- Information quality.
- SBA assistance.
- AI inventory.
- Made in America waivers.
- SMS terms

- Employee life.
- Jobs at SBA.
- Contracting for SBA.
- Disaster reaction tasks at SBA

- SBA management.
- Contact SBA.
- Forms and documents.
- Observances.
- Performance.
- Federal advisory committees

- Office of Hearings and Appeals.
- Office of Inspector General.
- Office of the National Ombudsman.
- Office of Advocacy

- For Partners.
- Newsroom.
- Contact us.
- Other languages

Breadcrumb

1. Home.
2. Funding Programs.
3. Loans.
4. 504 loans

Section navigation

- Loans - Make a payment to SBA.
- 7( a) loans.
- 504 loans - List of CDCs

504 loans

Content

What is the 504 loan program?

The 504 loan program supplies long-lasting, fixed rate financing for significant fixed possessions that promote company growth and job creation.

504 loans are available through Certified Development Companies (CDCs), SBA's community-based nonprofit partners who promote economic advancement within their communities. CDCs are accredited and regulated by SBA.

The maximum loan quantity for a 504 loan is $5.5 million.

Am I qualified?

To be eligible for a 504 loan, your service should:

- Operate as a for-profit company in the United States or its ownerships.
- Have a tangible net worth of less than $20 million.
- Have a typical earnings of less than $6.5 million after federal earnings taxes for the 2 years preceding your application

Other basic eligibility requirements consist of falling within SBA size guidelines, having certified management know-how, a possible company strategy, great character and the ability to pay back the loan.

Loans can not be made to companies taken part in nonprofit, passive, or speculative activities. For additional info on eligibility criteria and loan application requirements, small companies and lenders are encouraged to contact a Licensed Development Company in their location.

How do I use a 504 loan?

A 504 loan can be used for a range of properties that promote company development and job development. These consist of the purchase or construction of:

- Existing buildings or land.
- New facilities.
- Long-term machinery and devices with a useful staying life of a minimum of ten years, consisting of project-related AI-supported equipment or equipment for production items.
- Consolidating debt under the conditions listed in 13 CFR 120.882, paragraph (e) and.
- Repaying or re-financing financial obligation specified as "qualified financial obligation" under 13 CFR 120.882, paragraph (g)

Or the improvement or modernization of:

- Land, streets, utilities, car park and landscaping.
- Existing centers

A 504 loan can not be utilized for:

- Working capital or inventory.
- Consolidating, repaying or re-financing debt that does not satisfy the meaning of "qualified financial obligation" under 13 CFR 120.882, paragraphs (e) and (g).
- Speculation or financial investment in rental realty.
The funding of AI-related operating capital, intellectual residential or commercial property, or consulting services soft costs

What do I require to use?

504 loans are available solely through Certified Development Companies (CDCs). Find a CDC in your location to ensure you are handling a qualified loan provider. CDCs are distinctively certified to understand 504 loan program regulations, and will help you navigate the loan provider channels to produce your task funding.

Find a CDC near you

Find Certified Development Companies (CDCs) licensed to issue 504 loans.

How do I pay back my 504 loan?

Active 504 loans

Loan repayment terms vary according to several factors. Borrowers with active 504 loans can make payments through the Central Servicing Agent, generally by ACH regular monthly draws. Payments can likewise be made by wire or check.