SBA 504 Loan Program
Offered by U.S. Small Business Administration / Certified Development Companies
Government Active
Key details
- Award range
- Typically up to $5–5.5 million (SBA portion)
- Business stage
- Existing
- Industry
- Small Business
- Location
- United States
- Last checked by BTV
- August 5, 2026
About this program
<p>The 504 program finances major fixed assets — owner-occupied commercial real estate and long-life equipment — through a structure combining a bank loan, an SBA-backed debenture issued via a Certified Development Company, and a modest borrower down payment.</p><p>Long terms and below-market fixed rates on the SBA portion make 504 the standard path for a small business buying its building instead of renting.</p><p>Official source: <a href="https://www.sba.gov/funding-programs/loans/504-loans" rel="noopener nofollow" target="_blank">https://www.sba.gov/funding-programs/loans/504-loans</a>. Program terms, deadlines, and award amounts change — always verify directly with the administering organization before applying. BTV lists this program for informational purposes and is not affiliated with the provider. Beware of third parties charging fees to "unlock" government grants; official program information is free.</p>
Eligibility
For-profit U.S. businesses with tangible net worth under SBA thresholds, purchasing major fixed assets (real estate, heavy equipment) that support job creation or public policy goals.
How to apply
Apply directly through the program's official channels. BTV does not process applications and never charges for grant information.
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Stay on top of funding
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Program details are compiled from the provider's published materials and were last checked on August 5, 2026. Terms, deadlines, and award amounts may change without notice — always confirm on the official program page before applying.