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SBA 504 Loans

SBA 504 loans is your gateway to affordable, long-term financing for major investments.

FUNDING SUPPORT UP TO $15 MILLION | ONE APPLICATION. MULTIPLE FUNDING SOLUTIONS

Small business loans built with flexibility in mind.

The SBA 504 loan program is your gateway to affordable, long-term financing for major investments like owner-occupied real estate and heavy equipment. With fixed interest rates and funding of up to $15 million, this program makes it easier to grow your business while keeping costs under control.

What sets the SBA 504 loan apart? You’ll enjoy lower down payments—just 10% of total project costs—leaving you with more working capital to invest back into your business.

Whether you’re looking to expand or refinance existing debt from similar investments, the SBA 504 loan is designed to put your business on the fast track to growth. And if you don’t have a banking partner yet, don’t worry—our SBA experts can connect you with one that’s well-versed in this program.

building a stronger foundation for your business

With Apsen Business Funding’s SBA 504 loan program, you can affordably finance owner-occupied commercial real estate and other fixed assets.

Loan Amounts: $50,000 to $15 million for the 504 portion, making it suitable for financing larger projects.
Terms Available: Choose from 10, 20, or 25-year terms.
Interest Rates: Below market, fixed rates for the life of the loan. (View current rates online)
Time to Funding: Funded within the same timeline as your first mortgage (bank loan).
Eligibility: Ideal for financing owner-occupied commercial real estate or fixed asset purchases.

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Frequently Asked Questions

Who is an SBA 504 loan good for?

The SBA 504 loan program offers small business owners affordable financing for owner-occupied commercial real estate and fixed asset purchases. Designed to support businesses of all sizes, it helps promote growth, create jobs, and strengthen communities.

What are the basic eligibility requirements for SBA 504 loans?

Your small business must meet the following criteria:
- Be an operating business.
- Be a for-profit business.
- Be located in the United States.
- Have a tangible net worth under $15 million.
- Have an average net income, after Federal income taxes, of less than $5 million over the past two years.
- Be able to demonstrate a need for the desired credit.
- Meet SBA size standards.
- Ensure the building is:
  - 51% owner-occupied (for purchases).
  - 60% owner-occupied (for new construction).

How are the interest rates determined?

The SBA 504 loan program offers small businesses fixed interest rates that stay low for the entire life of the loan. These rates are updated monthly, and your final rate is set when your loan is fully funded.

When deciding on interest rates, lenders focus on your creditworthiness. They’ll review your business’s financial health, cash flow, and future outlook, as well as your personal credit score and financial history, to see how well you manage debt.

Collateral also plays a big role in setting rates. SBA 504 loans are backed by assets like commercial real estate, which helps keep interest rates lower than loans that don’t require collateral. This is why SBA 504 loans are often more affordable compared to other financing options.

What does this mean for your small business? Through the SBA 504 program, you get long-term, fixed-interest rates that are highly competitive—sometimes even lower than standard commercial rates. Plus, you enjoy longer repayment terms (up to 25 years) and a lower down payment requirement (typically just 10%).