SBA 504 Loan Calculator
Calculate SBA 504 loan payments instantly. See the 50/40/10 structure (bank + CDC/SBA + down payment) and estimate your total cost.
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How the SBA 504 calculator works
This SBA 504 loan calculator estimates monthly payments using the common 50/40/10 structure: a bank first lien, an SBA-backed CDC debenture second lien, and your equity/down payment. Enter project cost, down payment, term, and rates to see a payment estimate, total interest, total cost, and an amortization schedule. Because a 504 deal is typically split into two loans, the calculator helps you understand the blended cost and how payments break down over time.
Borrowers searching “SBA 504 monthly payment,” “SBA 504 rates today,” and “SBA 504 amortization schedule” usually want clarity on the two-loan structure. Use this page to run scenarios quickly before you request a lender quote.
Current SBA 504 rates (2026)
The CDC debenture portion is commonly fixed and changes periodically, while the bank portion varies by lender and deal quality. For a monthly snapshot and prime-plus context across programs, see our current SBA loan rates.
Who qualifies for an SBA 504 loan?
SBA 504 is designed for fixed assets like owner-occupied commercial real estate and major equipment. Lenders and CDCs typically look for an eligible, for-profit U.S. business, sufficient cash flow to repay, and an owner-occupied project (often 51%+ occupancy). If your use of funds is more flexible (working capital, refinancing, or general purposes), compare options with the SBA 7(a) calculator.
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What is an SBA 504 Loan?
An SBA 504 loan is designed for fixed assets like owner-occupied commercial real estate and major equipment. It commonly uses a two-lender structure: a bank provides the first lien (often ~50%), a CDC provides the SBA-backed debenture in second position (often ~40%), and you contribute the down payment (often ~10%).
Who Qualifies for SBA 504?
- ✓ For-profit business
- ✓ Tangible net worth < $15M
- ✓ Net income < $5M
- ✓ Owner-occupied real estate (51%+)
- ✓ Job creation or retention
504 vs 7a Comparison Table
| Feature | SBA 504 | SBA 7a |
|---|---|---|
| Best for | Real estate & equipment | Working capital, any purpose |
| Down payment | 10% | 10% |
| Max loan | $5.5M | $5M |
| Term | 10–25 years | Up to 25 years |
| Structure | Two loans | One loan |
| Rate | Fixed (CDC portion) | Variable or fixed |
SBA 504 Amortization Schedule (Principal vs Interest)
SBA 504 loans are typically split into a bank first-lien and a CDC/SBA second-lien. Each portion has its own amortization schedule, and the mix of principal vs interest changes over time.
Current 504 Rates (Updated Weekly)
How to Apply for SBA 504 Loan
Start by identifying a CDC and an SBA-approved bank. Prepare business and personal financial documents (tax returns, financial statements, personal financial statement), and be ready for appraisal and environmental requirements on real estate projects. Many transactions close in 60–90 days depending on deal complexity and responsiveness.
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"Saved me 3 weeks of bank visits. Realized I qualified for $200K more than I thought possible!"
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Restaurant Owner
Loan Amount: $450,000
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Manufacturing
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Medical Practice
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