Financing knowledge

SBA 504 Loans

SBA 504 financing supports eligible major fixed assets, such as business real estate and long-lived equipment. It cannot be used for ordinary working capital or inventory.

How the structure works

A typical 504 project combines financing from a third-party lender, a Certified Development Company (CDC), and a borrower contribution. Confirm the structure and required contribution for the particular project.

Match the purpose to the program

Discuss eligible buildings, land, facilities and qualifying equipment with a CDC. Debt refinancing is subject to specific rules. Consider 7(a) financing for eligible working-capital needs.

Check the official program details

Source: U.S. Small Business Administration. Program summaries checked October 8, 2026. Terms and eligibility can change; confirm current requirements with the SBA or participating lender.