What is sba 504 loan?
SBA 504 Loan: A fixed-rate SBA program for owner-occupied real estate and large equipment purchases.
How it works
Structured as 50% bank / 40% CDC / 10% borrower. Long amortization and below-market fixed rates make it the go-to for buying a manufacturing building or a $500k+ machine you plan to keep.
Where you will run into it
SBA 504 Loan comes up most often in sba & term loans conversations. See how sba & term loans works, including real cost ranges and timelines.
Related terms
SBA 504 Loan questions
A fixed-rate SBA program for owner-occupied real estate and large equipment purchases.
Structured as 50% bank / 40% CDC / 10% borrower. Long amortization and below-market fixed rates make it the go-to for buying a manufacturing building or a $500k+ machine you plan to keep.
Funding Requirements Checklist for US manufacturers
See exactly what underwriters actually look at — for factoring, PO financing, equipment, working capital, ABL, and SBA — before you fill out a single application.
- What documents you need for each program
- Typical time-to-fund by program
- Common disqualifiers worth knowing up front
- How Manufactor Finance is compensated — $0 fees to you
Talk to a funding consultant
Questions before you apply? A consultant can walk through this checklist with you, no pressure and no obligation.
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