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Planning an expansion or upgrade for your business?

SBA 504 loans provide approved small businesses with long-term, fixed-rate financing to acquire fixed assets for expansion or modernization.

This unique loan structure allows for shared costs with Certified Development Companies (CDCs) to support economic growth. CDCs typically contribute 40% of the loan, and we’ll provide up to 50%. That means for an average SBA 504 loan, your contribution may only be 10% of the project cost. Specific terms include:

Real Estate

  • Up to 25 years (bank loan)
  • Up to 20 years (CDC/SBA debenture)

Machinery and Equipment

  • Up to 10 years (bank loan)
  • Up to 10 years (CDC/SBA debenture)

Benefits of financing with an SBA 504 loan

  • 90% financing with longer loan amortizations
  • Fixed-rate interest rates for loans between $1.5 million and $10 million
  • Savings that result in improved cash flow for small businesses
  • Competitive variable and fixed rates
  • Debenture rates published by CDC

Get Started Now

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See which loan option is right for your small business.

SBA 7(a) Loans


Helps small businesses grow by offering longer, more flexible terms and lower-equity contributions.

  • Up to $5 million in loans
  • 25-year terms for real estate
  • 15-year terms for non-real estate debt

SBA 504 Loan


Provides approved small businesses with long-term, fixed-rate financing to acquire fixed assets for expansion or modernization.

  • 90% financing with longer loan amortizations
  • Fixed-rate interest rates for loans between $1.5 million and $10 million

SBA CAPLines


Designed to help small businesses manage cyclical cash flow needs through revolving lines of credit.

  • Up to $5 million in loans, for 12 months to 10 years
  • Up to 80% of eligible accounts receivable
  • Up to 50% of eligible inventory

USDA Loans


Designed to help rural communities succeed through business financing for growth, stability and employment opportunities.

  • Loans between $1 million and $10 million
  • 30 years for real estate and 15 years for equipment