504 Debenture Fixed Rate for 25 Years
The SBA 504 loan program is one of the most powerful financing tools available for small business owners buying or refinancing commercial property — fixed long-term rates, and loan amounts from $1M up to $12.5M.
The Smart Way to Finance Commercial Real Estate
The SBA 504 loan is a government-backed financing program designed for small businesses purchasing or refinancing fixed assets — primarily commercial real estate, refinancing, expansion, renovation, and heavy equipment. Because the SBA backs a portion of the loan, lenders can offer terms that conventional financing simply cannot match.
Unlike conventional loans with 5–10 year balloon payments and variable rates, the SBA 504 program locks your rate for the full 25-year term.
- Purchase existing business
- New construction
- Land acquisition for your business
- Machinery & equipment (including medical)
- Building renovation
- Modernization
- Leasehold improvements
- Refinancing existing debt
- Cash out equity
Advantages You Won't Find in a Conventional Loan
The SBA 504 program was built to help small businesses compete. These are structural advantages baked into the program itself.
Fixed Rate for 25 Years
No balloon payments, no rate surprises. Lock in today's rate and keep it for the full life of the loan.
Timely Close
Our process is structured and predictable from application through closing — no surprises, no unnecessary delays.
Below-Market Rates
SBA 504 rates are typically 2–3% below conventional commercial loan rates — a difference that compounds significantly over 25 years.
Free EBITDA Analysis
SBA-Capital will run a complete EBITDA analysis on your deal at no cost. You know exactly where you stand at the beginning.
Referral Partner Friendly
CPAs, brokers, and attorneys are welcome. We provide fast pre-qualification, with an EBITDA spreadsheet and DCR, to support your client's deal from day one.
$1,000,000 to $12,500,000
The SBA 504 program covers a wide range of deal sizes. Here's how to think about what fits your project.
Ideal for single-location acquisitions: retail, office, day care, gas & lube, self-storage, and similar properties.
Fits franchise restaurants, hotels, medical offices, industrial, warehouse and manufacturing, and multi-unit acquisitions.
Large-scale construction, hospitality renovations (PIP financing), office buildings, and multi-property portfolios.
What Can You Buy or Build?
How It Works: Application to Closing
Free Pre-Qualification
Text us the basics of your deal. We'll run a full EBITDA analysis and give you a clear yes or no — no cost, no obligation.
Application & Documents
Three years of tax returns, current financials, and your loan application. We walk you through exactly what's needed.
Appraisal & Underwriting
Upon formal loan approval, your loan officer will order the appraisal and environmental assessment. Specialization creates faster approvals, closings, and fewer surprises.
Do You Qualify?
SBA 504 applicants must meet the following requirements set by the Certified Development Company (CDC). We will work with you to ensure all guidelines are met before you submit — no surprises at the finish line.
Not sure if you qualify? Text us the basics and we'll tell you within 24 hours — no cost, no commitment.
Text Hershel Now
(214) 726-9000Ready to Lock In a 25-Year Fixed Rate?
Good deals don't wait. Text Hershel today for a free, no-obligation financing analysis.