A.gov website belongs to a main government company in the United States.

Secure.gov websites use HTTPS
A lock (Lock Locked padlock) or https:// suggests you have actually safely linked to the.gov site. Share sensitive details only on authorities, protected websites.

Get support for stated disasters

Businesses and individuals affected by current catastrophes in Texas might be eligible for SBA support.

Primary Navigation

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

- Pick your business location
- Choose a business structure
- Choose your service name
- Register your business
- Get federal and state tax ID numbers
- Apply for licenses and licenses
- Open a business savings account
- Get service insurance

- Manage your financial resources
- Hire and manage workers
- Pay taxes
- Stay lawfully compliant
- Buy assets and equipment
- Marketing and sales
- AI for small company
- Strengthen your cybersecurity
- Get ready for emergencies
- Recover from disasters
- Close or sell your organization
- Hire employees with impairments

- Get more funding
- Expand to new locations
- Merge and get organizations
- Become a federal specialist
- Export items
- Women-owned services
- Native American-owned organizations
- Veteran-owned companies
- Military spouse companies
- Rural services
- Minority-owned companies

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

- SBIC directory

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

- Surety bond company directory

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

- Contracting guide - Assess your organization.
- Basic requirements.
- How to win contracts.
- Types of agreements.
- Size requirements.
- 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 area directors.
- Procurement Center Representative directory.
- Commercial Market Representatives

- Small company procurement scorecard.
- Disaggregated data

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

- Resource Partners - Small Company 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 small makers.
- Increasing access to capital.
- Make Onshoring Great Again website.
- Taking your production service international.
- Manufacturing success stories

- Child care organization advancement support.
- Interagency capital resources for small companies

- Community Builders Network.
- Small Companies Against Trafficking personallies (SBATiP)

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

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

- FOIA.
- Digital SBA.
- About the SBA.gov website.
- SBA personal privacy program.
- Privacy Act request guide.
- Information quality.
- SBA assistance.
- AI inventory.
- Made in America waivers.
- SMS conditions

- Employee life.
- Jobs at SBA.
- Contracting for SBA.
- Disaster response 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, set rate funding for significant fixed properties that promote business development and task development.

504 loans are readily available through Certified Development Companies (CDCs), SBA's community-based not-for-profit partners who promote financial development within their communities. CDCs are accredited and regulated by SBA.

The optimum loan amount for a 504 loan is $5.5 million.

Am I eligible?

To be qualified for a 504 loan, your organization should:

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

Other basic eligibility requirements consist of falling within SBA size guidelines, having qualified management proficiency, a practical company strategy, excellent character and the ability to repay the loan.

Loans can not be made to services engaged in nonprofit, passive, or speculative activities. For additional information on eligibility requirements and loan application requirements, small companies and lending institutions are motivated to contact a Qualified Development Company in their area.

How do I use a 504 loan?

A 504 loan can be used for a range of assets that promote business development and task development. These include the purchase or construction of:

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

Or the enhancement or modernization of:

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

A 504 loan can not be utilized for:

- Working capital or stock.
- Consolidating, repaying or refinancing debt that does not meet the meaning of "competent financial obligation" under 13 CFR 120.882, paragraphs (e) and (g).
- Speculation or investment in rental real estate.
The financing of AI-related working capital, intellectual residential or commercial property, or speaking with services soft costs

What do I need to apply?

504 loans are available solely through Certified Development Companies (CDCs). Find a CDC in your area to guarantee you are handling a certified loan provider. CDCs are distinctively certified to understand 504 loan program guidelines, and will assist you navigate the lender channels to create your task funding.

Find a CDC near you

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

How do I repay my 504 loan?

Active 504 loans

Loan payment terms vary according to a number of aspects. Borrowers with active 504 loans can pay through the Central Servicing Agent, normally by ACH regular monthly draws. Payments can also be made by wire or check.