Real EstateOfficial source

SBA 504 Loan Program

Up to $5,500,000For owner-occupied commercial real estate & equipment

Long-term, fixed-rate financing for major fixed assets — buying land or buildings your business occupies, or heavy equipment.

Who it's for

Established businesses buying owner-occupied commercial property or major equipment.

General eligibility

  • Business occupies 51%+ of the property
  • Meet SBA size standards
  • Sound business with ability to repay

What you'll typically need

  • Typically ~10% down from the borrower
  • Business financials and tax returns
  • Works through a Certified Development Company (CDC) + a lender

Program information summarized from the agency's public materials. Not an offer of credit, a guarantee of eligibility, or an endorsement by the agency. Requirements change over time — always confirm current details with the agency or a licensed professional.