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SBA 504 Loan Benefits

  • Low down payment. The down payment is typically 10% of the project cost allowing you to preserve your cash for working capital.
  • Fixed rate. The rate is fixed for the entire term of the loan allowing you to plan what your cash flow demands are going to be.
  • Longer terms for repayment. 504 Loans are for 10 or 20 years. Longer terms make your monthly payments lower.
  • Below market interest rate. Even with all transaction costs included, the rate for a 504 loan is generally below conventional market rates for loans of similar maturities.