SBA 504 Loan Program · Backed by the U.S. Government

SBA 504 Loan Program From Money Man 4 Business

Long-term, low down-payment financing for commercial real estate and heavy equipment. Check your eligibility in less than 3 minutes with our Eligibility Survey.

3 Minutes Eligibility Survey Apply Now More Videos / Free E-Book

Pre-approved within 2 business days
Funded in 5–15 business days
No minimum credit score

Rated Excellent by our clients

Loan Snapshot Live Program

$0M

Maximum loan amount

0 yrs

Real estate term

Commercial real estate LTV

Borrower contribution

888.88.CASH.1 Ext. 0

Backed by the U.S. Government Loans up to $10 Million Terms up to 25 Years 90% Commercial Real Estate LTV Only 10% Borrower Contribution Pre-Approval in 2 Business Days

Who It’s For

Best for small to medium size business owners

The SBA 504 loan program can be very beneficial for small to medium size businesses thanks to its longer repayment period and fixed interest rate. At Money Man 4 Business we make sure you get the best program at the best rate for your business growth and success.

We have also made it easier to check your eligibility for our business loan programs — just take our 3-minute Eligibility Survey.

Why the SBA 504 loan program

The U.S. Small Business Administration 504 Certified Development Company (CDC) loan program conserves your working capital by requiring only a 10 percent borrower contribution. If you do not qualify for conventional financing, the SBA-backed 504 loan may be right for you.

CDCs are nonprofit corporations that promote economic development within their communities. The SBA authorizes them to finance small businesses together with third-party lenders, typically banks. Loans generally range from $1.5 million to $10 million.

10%

Borrower contribution — keep more working capital in your business

Finance your growth with:

Acquisition of commercial land & buildings
Refinance of existing commercial business mortgages
Restaurant, bar & retail build-outs
Fixtures, equipment & furniture
Heavy commercial & manufacturing machinery
Up to 20% of appraisal as cash-out for cash flow at closing

Program Features

Everything a growing business needs

Big amounts, long terms and government backing — built to fund real estate and long-life equipment.

Amounts up to $10 Million

Fund large real estate and equipment projects in one structured loan.

Up to 25 years for real estate

Long repayment periods keep monthly payments manageable.

Up to 10 years for machinery

Finance machinery and equipment over a realistic useful life.

90% LTV on commercial real estate

Buy, build or refinance with as little as 10% down.

No minimum credit score

Your whole business picture is reviewed, not just a number.

Consolidate & refinance

Multiple eligible loans can be consolidated and/or refinanced.

Prime + 3% variable

Current Prime + 3% variable interest rate.

Backed by the U.S. Government

An SBA program delivered through approved lenders and CDCs.

How It’s Funded

SBA 504 loan structure

Three partners share every project — so you only bring 10% to the table.

50% Bank

40% CDC

10% You

Bank

First position · Approved SBA lender

CDC

Second position · Approved CDC in your state

You

Equity from the borrower

Good to know

Borrowers can refinance up to 90% of the current appraised property value. The refinance may also include eligible business expenses.
Other assets can be used as collateral to get to 90% LTV.
Special-use real estate requires an extra 5% borrower injection.

Use of Proceeds

What you can finance

Built for long-life fixed assets that move your business forward.

Expansion & modernization

Long-term fixed assets — usually real estate or large heavy equipment with a life expectancy of more than 10 years.

Refinancing

Refinancing of large equipment and/or owner-occupied commercial real estate may also be possible.

Purchase, construction & refinance

Commercial real estate up to 90% LTV for refinance, purchase and construction loans.

Simple Process

From survey to funding in four steps

Clear steps, real people and fast answers.

1
Check eligibility

Take the 3-minute eligibility survey online.
2
Apply online

Complete the e-application and send your documents.
3
Get pre-approved

Loans are pre-approved within 2 business days.
4
Get funded

Complete funding within 5 to 15 business days.

Real Results

Recent fundings

Real 504 deals closed for business owners like you.

Recent Funding 01

Monthly payment: $10,782
Loan term: 25 Years

Recent Funding 02

Monthly payment: $15,682
Loan term: 25 Years

Recent Funding 03

Monthly payment: $27,875.44
Loan term: 25 Years

See what business owners say about working with us

Start My Application

Qualify Fast

Eligibility & requirements

Know where you stand before you apply.

Business at least 24 months old
Debt being refinanced must be a commercial loan
The loan is at least 24 months old at the time of the 504 refinance application
85% or more of the existing loan was used to obtain a 504-eligible fixed asset
Secured by a 504 fixed asset
Borrower has been current on loan payments for the last 12 months
51% or more owner-occupied

Get Ready

Required documents

Have these ready and your file moves faster.

01 Six months of bank statements + current month-to-date statement
02 Three years of business & personal tax returns
03 Current year-to-date P&L and balance sheet
04 Schedule of Liabilities (SBA Form 2202) Download
05 Money Man 4 Business application Apply
06 Schedule of real estate assets
07 Information on the collateral that will secure this 504 loan (if property selected)
08 Experian credit report Experian

Available today

Talk to a Real Person

Speak with our CFO

Mr. John GuilloryChief Financial Officer

It’s very simple to make an inquiry online or take a 3-minute eligibility survey on our website — or just call us at 888.882.2741 Ext. 0 (888.88.CASH.1 Ext. 0) and ask for Mr. John Guillory.

Call Now Take the Survey