A.gov website comes from an official federal government organization in the United States.

Secure.gov websites use HTTPS
A lock (Lock Locked padlock) or https:// implies you've safely connected to the.gov website. Share sensitive details just on authorities, safe and secure sites.

Get help for stated catastrophes

Businesses and individuals affected by current catastrophes in Texas may be qualified for SBA help.

Primary Navigation

- Business Guide Explore our company guide
- 10 steps to start your business
- Plan your business - Marketing research and competitive analysis
- Write your company strategy
- Calculate your start-up expenses
- Establish business credit
- Fund your service
- Buy an existing company or franchise

- Pick your organization area
- Choose a company structure
- Choose your organization name
- Register your company
- Get federal and state tax ID numbers
- Make an application for licenses and permits
- Open a company savings account
- Get company insurance

- Manage your financial resources
- Hire and handle workers
- Pay taxes
- Stay legally certified
- Buy assets and devices
- Marketing and sales
- AI for little business
- Strengthen your cybersecurity
- Get ready for emergency situations
- Recover from disasters
- Close or offer your company
- Hire employees with disabilities

- Get more financing
- Expand to new places
- Merge and get businesses
- Become a federal professional
- Export items
- Women-owned services
- Native American-owned companies
- Veteran-owned organizations
- Military partner organizations
- Rural services
- Minority-owned organizations

- Loans - Make a payment to SBA
- 7( a) loans
- 504 loans
- Microloans
- Lender Match
- COVID-19 relief choices

- SBIC directory site

- Texas floods
- California wildfires
- Hurricane Milton
- Hurricane Helene
- Physical damage loans
- Mitigation support
- Economic Injury Disaster Loans
- Military reservist loan

- Surety bond agency directory site

- Manufacturing grants
- State Trade Expansion Program (STEP).
- Grants for neighborhood organizations

- Contracting guide - Assess your business.
- Basic requirements.
- How to win agreements.
- Kinds of agreements.
- Size requirements.
- Governing rules and obligations.
- Prime and subcontracting

- Small Disadvantaged Business.
- Women-Owned Small Business Federal Contract program.
- Veteran contracting assistance programs.
- 8( a) Business Development program.
- SBA Mentor-Protégé program.
- Joint ventures.
- HUBZone program.
- Natural Resource Sales Assistance program

- Contracting location directors.
- Procurement Center Representative directory.
- Commercial Market Representatives

- Small company procurement scorecard.
- Disaggregated data

- MySBA Learning.
- Boots to Business.
- SBA THRIVE.
- Empower to Grow

- Resource Partners - Small Company Development Centers (SBDC).
- SCORE Business Mentoring.
- Veterans Business Outreach Centers (VBOC).
- Women's Business Centers

- Finance Managers.
- U.S. Export Assistance Centers

- Putting American makers first - Cutting red tape for little makers.
- Increasing access to capital.
- Make Onshoring Great Again website.
- Taking your production organization worldwide.
- Manufacturing success stories

- Child care organization development assistance.
- Interagency capital resources for small companies

- Community Builders Network.
- Small Companies Against Trafficking personallies (SBATiP)

- National Small Company Development Center Advisory Board.
- Invention, Innovation, and Entrepreneurship Advisory Committee.
- Investment Capital Advisory Committee.
- Small Company Lending Advisory Council.
- Regional Regulatory Fairness Boards

- SBA places - Headquarters Offices.
- Disaster Offices.
- District Offices.
- Loan and Guaranty Centers

- FOIA.
- Digital SBA.
- About the SBA.gov site.
- SBA privacy program.
- Privacy Act demand guide.
- Information quality.
- SBA guidance.
- AI stock.
- Made in America waivers.
- SMS terms

- Employee life.
- Jobs at SBA.
- Contracting for SBA.
- Disaster action tasks at SBA

- SBA management.
- Contact SBA.
- Forms and files.
- Observances.
- Performance.
- Federal advisory committees

- Office of Hearings and Appeals.
- Office of Inspector General.
- Office of the National Ombudsman.
- Office of Advocacy

- For Partners.
- Newsroom.
- Contact us.
- Other languages

Breadcrumb

1. Home.
2. Funding Programs.
3. Loans.
4. 504 loans

Section navigation

- Loans - Make a payment to SBA.
- 7( a) loans.
- 504 loans - List of CDCs

504 loans

Content

What is the 504 loan program?

The 504 loan program offers long-term, set rate funding for significant set assets that promote company development and job production.

504 loans are offered through Certified Development Companies (CDCs), SBA's community-based not-for-profit partners who promote financial development within their neighborhoods. CDCs are accredited and managed by SBA.

The maximum loan amount for a 504 loan is $5.5 million.

Am I qualified?

To be qualified for a 504 loan, your organization should:

- Operate as a for-profit business in the United States or its belongings.
- Have a tangible net worth of less than $20 million.
- Have a typical net income of less than $6.5 million after federal income taxes for the 2 years preceding your application

Other general eligibility requirements consist of falling within SBA size guidelines, having certified management competence, a feasible company plan, good character and the capability to repay the loan.

Loans can not be made to companies taken part in nonprofit, passive, or speculative activities. For additional info on eligibility requirements and loan application requirements, small companies and loan providers are encouraged to call a Licensed Development Company in their area.

How do I use a 504 loan?

A 504 loan can be used for a variety of properties that promote business development and task development. These include the purchase or building and construction of:

- Existing buildings or land.
- New facilities.
- Long-term machinery and equipment with a useful staying life of a minimum of 10 years, including project-related AI-supported devices or equipment for production products.
- Consolidating financial obligation under the conditions listed in 13 CFR 120.882, paragraph (e) and.
- Repaying or re-financing debt specified as "certified financial obligation" under 13 CFR 120.882, paragraph (g)

Or the enhancement or modernization of:

- Land, streets, energies, parking area and landscaping.
- Existing centers

A 504 loan can not be used for:

- Working capital or stock.
- Consolidating, repaying or refinancing debt that does not satisfy the meaning of "certified debt" under 13 CFR 120.882, paragraphs (e) and (g).
- Speculation or investment in rental genuine estate.
The funding of AI-related working capital, intellectual residential or commercial property, or consulting services soft expenses

What do I need to apply?

504 loans are readily available solely through Certified Development Companies (CDCs). Find a CDC in your location to ensure you are handling a qualified lender. CDCs are distinctively qualified to comprehend 504 loan program policies, and will help you navigate the lending institution channels to produce your project financing.

Find a CDC near you

Find Certified Development Companies (CDCs) licensed to issue 504 loans.

How do I pay back my 504 loan?

Active 504 loans

Loan payment terms vary according to several factors. Borrowers with active 504 loans can make payments through the Central Servicing Agent, normally by ACH monthly draws. Payments can also be made by wire or check.