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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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 |
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!"
Sarah M.
Restaurant Owner
Loan Amount: $450,000
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Mike C.
Manufacturing
Loan Amount: $750,000
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Jennifer R.
Medical Practice
Loan Amount: $320,000