SBA 504 loans for owner-occupied commercial property
Buy, build, or improve the building your business operates from, with a low down payment and a long-term fixed rate that banks alone cannot match.
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The financing built for the building you work in
An SBA 504 loan helps owners buy or build owner-occupied commercial real estate and major equipment. It pairs a conventional bank loan with an SBA-backed portion, which is how you get a low down payment and a long fixed rate at the same time. The trade most owners do not realize they can make: keep more cash in the business and lock your largest fixed cost for decades.
Buy your building
Purchase the property your business occupies instead of paying a landlord. Owner occupancy of at least 51 percent qualifies an existing building.
Build or expand
Ground-up construction or expansion of owner-occupied space, where the occupancy threshold is 60 percent for new construction.
Heavy equipment
Finance long-life machinery and major fixed assets on the same long-term, fixed-rate structure as the real estate.
One project, three sources, ten percent down
The 504 splits your project across three layers. That structure is the whole advantage, and it is why your cash requirement stays low while your rate stays fixed.
Low down payment. Most borrowers put down about 10 percent, versus the 25 to 35 percent a conventional commercial purchase often demands. Special-use properties or newer businesses may run 15 to 20 percent.
A fixed rate you can plan around. The SBA-backed portion carries a below-market, long-term fixed rate over 10, 20, or 25 years, so your largest fixed cost stops moving with the market.
Cash stays in the business. The capital you do not sink into a down payment stays available for payroll, inventory, and growth.
Local, direct, and fast where it counts
- ◆We know the Inland Empire and SoCal market. Industrial, retail, medical office, and special-use property across Rancho Cucamonga, Ontario, Riverside, San Bernardino, and Los Angeles.
- ◆We structure deals other lenders decline. When a bank says the file does not fit, that is usually where we start.
- ◆One advisor, start to close. You work with a person who returns calls, not a portal that loses your file.
SBA 504, answered plainly
An SBA 504 loan is used to buy, build, or improve owner-occupied commercial real estate, and to finance major long-term equipment. It is not used for working capital or inventory. If you need those, the SBA 7(a) is the better fit, and we can run both.
Most borrowers put down about 10 percent. Special-use properties, such as a car wash or a gas station, and newer businesses may need 15 to 20 percent. The remainder is split between a bank first mortgage and the SBA-backed second.
The 504 is purpose-built for owner-occupied real estate and heavy equipment with a long-term fixed rate. The 7(a) is more flexible and covers working capital, business acquisition, and other uses. Many owners qualify for both, and the right choice depends on the use of funds.
Yes. For an existing building your business must occupy at least 51 percent of the space. For new construction the threshold is 60 percent. You can lease the remainder.
Let’s see if the 504 fits your project
Tell us what you are buying or building. An advisor reviews it and responds within the hour, with the structure that keeps the most cash in your business.
