SBA 504 Loans — As Little as 10% Down
The SBA 504 loan program is one of the most powerful financing tools available to American small businesses. It allows you to purchase commercial real estate or major equipment with just 10% down and a below-market fixed interest rate — preserving your working capital for running your business.
How the SBA 504 Loan Works
The SBA 504 loan program uses a unique three-party structure that benefits the borrower. A conventional lender provides 50% of the project cost, a Certified Development Company (CDC) backed by the SBA provides 40%, and the borrower contributes just 10%. This structure allows businesses to acquire commercial property with significantly less capital outlay than traditional financing.
The CDC portion carries a fixed interest rate tied to U.S. Treasury rates, which means your largest loan component has a predictable, locked-in payment for the life of the loan. This protects your business from rising interest rates — a critical advantage in today's market.
What You Can Finance with a 504 Loan
Eligibility Requirements
Why Choose 3A Lending for Your 504 Loan
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