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🏦 SBA Program

SBA 504 Loan Calculator

Estimate your SBA 504 loan structure — see the three-part split (borrower, CDC, bank), monthly payments for each portion, and total project financing.

10%
Min Down Payment
25yr
CDC Fixed Rate
90%
Max LTV
🏦

SBA 504 Loan Calculator

Three-part financing structure for owner-occupied CRE

💼 Project Details
$
Purchase price + eligible soft costs
%
10% standard, 15% startups/special use
%
Up to 40% from CDC/SBA
🏦 CDC Loan (SBA Portion)
%
Current debenture rate ~5.0–6.0%
#
10yr equipment, 20–25yr real estate
🧱 Bank Loan (First Lien)
%
Typically 0.5–2% above CDC rate
#
Usually 10yr term, 25yr amortization
SBA 504 Financing Structure
Your Down Payment
Due at closing
CDC / SBA Portion
/mo
Bank First Lien
/mo
Total Monthly Payment
CDC + Bank combined
Total Interest (CDC)
Total Interest (Bank)

Ready to apply for an SBA 504 loan?BestLoanUSA advisors specialize in SBA 504 structuring. No upfront fees.

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Understanding SBA 504 Loans

The most powerful financing tool for owner-occupied commercial real estate.

How the 504 Structure Works

SBA 504 splits your project into three parts: you put 10% down, a CDC (Certified Development Company) provides 40% via an SBA-backed debenture at a fixed rate, and a bank covers the remaining 50% as a conventional first lien. This structure gives you 90% financing at a blended rate below market.

Who Qualifies?

You must be a for-profit business, operate in the US, have tangible net worth under $15M, and occupy 51%+ of the building. The property must be owner-occupied — pure investment properties don't qualify. Credit score 680+ is typical, and you need demonstrated ability to repay from business cash flow.

Eligible Project Costs

SBA 504 covers land and building purchase, new construction, renovations, machinery and equipment (10-year CDC term), professional fees, and certain soft costs. It does NOT cover working capital, inventory, or debt consolidation. The SBA portion maxes at $5M ($5.5M for manufacturing and energy).

Why 504 Beats Conventional

Only 10% down vs. 25–30% conventional. The CDC portion is fixed for 20–25 years (no rate risk). Below-market blended rate saves thousands annually. No balloon payment on the CDC portion. And SBA guarantee means lenders are more willing to approve borderline deals.

Frequently Asked Questions

Common questions about SBA 504 financing.

10% Down. Fixed Rate. 25 Years.

Let our SBA specialists structure your 504 deal for maximum leverage and minimum cost. Pre-assessment in 48 hours, no credit pull to start.

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CRE CALCULATORS

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Jason Kim
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