Amounts up to $5.5 Million
Fund large real estate and equipment projects in one structured loan.
SBA 504 Loan Program · Backed by the U.S. Government
SBA 504 Loan Program From Money Man 4 Business
Watch now
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.
- Pre-approved within 2 business days
- Funded in 5–15 business days
- Minimum FICO score 650
Rated Excellent by our clients Backed by the U.S. Government Loans up to $5.5 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 up to $5.5 million.
SBA 7(a) & SBA 504: Commercial Real Estate (refinancing/purchasing locations), working capital, equipment financing, and debt consolidation.
SBA 7(a) vs. SBA 504: The main difference between SBA 7(a) and 504 is that 7(a) can finance 100% of the project, and 504 can finance 90%. 7(a) rates are higher and the 504 rates are lower. 7(a) allows you to cash out for working capital and consolidate business debt, while 504 has no working capital, only refinancing or purchasing business real estate and purchasing equipment that has a 10-year life expectancy.
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
Program Features
Everything a growing business needs
Big amounts, long terms and government backing — built to fund real estate and long-life equipment.
Up to 25 years for real estate
Long repayment periods keep monthly payments manageable.
Up to 10 years for machinery
Equipment must have a 10-year life expectancy.
90% LTV on commercial real estate
Buy, build or refinance with as little as 10% down.
Minimum FICO score 650
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
First position · Approved SBA lender
40%
CDC
Second position · Approved CDC in your state
10%
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.
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
- Nonprofits (charitable, religious and government entities)
- Real estate investment firms
- Firms engaged in speculative activities
- Dealers of rare coins and stamps
- Firms engaged in lending activities
- Businesses involved in pyramid sales plans
- Passive businesses
- Private clubs and organizations that limit membership
- Businesses primarily engaged in promoting religion
- Businesses primarily engaged in political activities
- Working capital or liquid funds (a minimum amount can be approved)
- Inventory
- Goodwill assets
- Fees such as partnership fees
- Tenant growth
- Mainly consolidating existing business debts
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 Rated Excellent by our clients
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 888.88.CASH.1 Ext. 0 and ask for Mr. John Guillory.
Rated Excellent by our clients Get Started Here
We are here for you
Call us today — we’ll assist with any questions or application requirements. Loans are pre-approved within 2 business days with complete funding within 5 to 15 business days. If your call goes to voicemail, we will call you back as soon as possible.
Fast, simple access to working capital — 40+ cash & business loan programs for small & medium-size businesses since 2007.
Call Toll Free888.88.CASH.1 Ext. 0 Email Uscash@moneyman4business.com
Rated Excellent on Trustpilot
Office Hours (CT)Mon–Thu 10:30–7:30 · Fri 9–6
Rated Excellent on TrustpilotMONEY MAN 4 BUSINESS © 2007 - 2026 Copyright. All Rights Reserved.
We are an Independent Sales Organization (ISO) that markets sales underwriting programs for various companies.
Address: 363 North Sam Houston Parkway East, Suite 1100, Houston, Texas 77060
Local Phone: 281-763-2294 Ext. 0, Toll Free: 888.88.CASH.1 Ext. 0, Phone: 917-722-8111
To all residents of the USA including California residents. We do not sell or Trade your private social security, State Identification information or any personal Financial income information.
New California legislation information is located in Terms