SBA 504 Real Estate Financing
SBA 504 Real Estate Financing is designed to help business owners secure long-term, fixed-rate funding for owner-occupied commercial properties. Whether you’re looking to purchase a building, expand into a larger facility, or construct something new from the ground up, the SBA 504 program provides a stable and affordable path to long-term growth. With low down payments and predictable monthly costs, it’s one of the most powerful tools available for businesses ready to invest in their own space.
At Premier Lending Partner, we simplify the entire 504 process so you can focus on your business—not the paperwork. We structure financing with clarity, speed, and a capital-advisor approach, ensuring you understand every step and receive the strongest terms available. Our goal is to help you acquire the real estate your business needs to expand, stabilize cash flow, and build long-term equity, all with a partner who’s committed to making your growth strategy achievable.
If you need an even faster quote, give us a call at (718) 952-7848
How Premier Lending Partner closes the deal on SBA 504 Financing
We take a streamlined, advisor-first approach to closing SBA 504 real estate deals. From the moment you inquire, our team conducts a clear assessment of your business needs, property goals, and financial posture. We guide you through eligibility, documentation, and structuring with simple explanations so you always know what’s happening and why. Our partnerships with Certified Development Companies (CDCs) and conventional lenders allow us to coordinate the two-part SBA 504 structure smoothly, eliminating confusion and reducing delays.
Once your file is structured, we push the deal forward with tight communication, fast underwriting coordination, and full transparency on timelines. We ensure the appraisal, environmental reports, CDC approvals, and lender commitments stay on track—while keeping you informed at every milestone. When closing day arrives, all parties are aligned, conditions are cleared, and funding is ready.
The result is a clean, confident closing experience where you walk away with long-term, fixed-rate financing and a real estate asset that positions your business for growth. Premier Lending Partner doesn’t just process the loan—we close the deal with precision, speed, and a commitment to your success.
- Clear communication from start to finish
- Fast coordination with lenders and CDC partners
- Transparent timelines and smooth approvals
- A confident, hassle-free closing experience
Long-term, fixed-rate financing for commercial real estate
The SBA 504 loan program offers long-term, fixed-rate funding for small business owners looking to purchase or build real estate or other major fixed assets.
With SBA 504, you can finance real estate — owner-occupied buildings, land, new construction, or renovations — under favorable terms designed to support business growth and stability.
Secure long-term, fixed-rate financing backed by the SBA.:
Loan amount: Up to $15 million for most borrowers; up to $15 million for certain qualified projects.
Typical structure: ~ 50% from a conventional lender, ~ 40% from the SBA/Certified Development Company, and ~ 10% borrower equity.
Loan term & repayment: 20- or 25-year terms for real estate; 10-year term if financing heavy equipment.
Interest rate: Fixed rate, typically tied to U.S. Treasury yields — giving predictable, stable payments over the life of the loan.
What you can finance: Land purchases, existing buildings, new construction, building expansions, renovations, long-life equipment and improvements (e.g. utilities, parking, landscaping).
What you cannot finance: Inventory, working capital, speculative investments, or rental-only real estate not used by your business.
Who Benefits from a SBA 504?
Small business owners
Small business owners who need real estate — offices, warehouses, production facilities, retail space, or owner-occupied buildings.
Companies
Companies aiming to expand, modernize, or relocate their operations.
Businesses
Businesses that want to preserve working capital by leveraging favorable long-term financing instead of paying cash up front.
Ready to Bridge the Gap?
Share your scenario and get fast, personalized feedback from our capital advisory team. We’re here to help you move forward with confidence.
COMMON SENSE MORTGAGE LENDING
SBA 504 Real Estate FAQ
Purchasing land or buildings, new construction, expansions, renovations, and long-term equipment tied to the property.
Most projects require as little as 10% down, keeping more capital in your business.
Yes. Your business must occupy at least 51% of an existing building or 60% of new construction.
Typical timelines range from 30–60 days depending on the project.
Yes, with strong projections and a clear operating plan.
SBA 504 is designed specifically for real estate and long-term assets.
SBA 7(a) is more flexible and can be used for working capital, inventory, or business acquisitions.
