SBA 504 Refinance. Lower Your Rate & Free Up Capital
Use the SBA 504 refinance program to reduce your commercial loan rate, lower monthly payments, and access equity in your property.
The SBA 504 Debt Refinance program allows business owners to refinance existing commercial real estate debt into a long-term, fixed-rate SBA structure, often significantly reducing monthly payments and improving cash flow. This program is underutilized by most business owners, yet it can be one of the most powerful financial tools available.
- ✓Refinance non-SBA commercial real estate debt into a fixed-rate 504 structure
- ✓Loan amounts typically from $500,000 to $15 million+
- ✓10, 20, and 25-year terms available
- ✓Below-market fixed rates tied to 5 and 10-year Treasury benchmarks
- ✓Eligible for cash-out refinance to fund working capital or expansion
- ✓Owner-occupied commercial real estate (51%+ owner occupancy required)
Commercial Capital Partners has structured SBA 504 refinances for business owners across California and nationwide. If you have an existing commercial mortgage with a rate that no longer reflects current market conditions, or a balloon payment approaching, a 504 refinance may be the most cost-effective solution available. Call us to discuss your specific situation.
