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SBA 504 Loans

Long-term funding for major purchases—without draining your cash flow.

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Key Highlights
Low-cost, long-term capital
Increased Capital
Borrow up to $5.5M
Government-Backed
Competitive interest rates
Extended Repayment
Terms up to 25 years
What is it?
Build bigger & better with SBA-backed funding

SBA 504 loans are long-term, fixed-rate loans backed by the government and designed for major business investments. With repayment terms up to 25 years and low interest rates, 504 loans allow you to preserve liquidity while making substantial upgrades to your business.

If you’re planning a major fixed asset purchase or expansion—and don’t need capital immediately—this is a great option.

If you need faster access to funds, National Business Capital has a wide variety of cash flow-based financing options that can support your goals.

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Why get it?
Strategic capital for big business moves

Business leaders think in decades, not quarters. SBA 504 loans are built for that mindset.

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High funding power

Access up to $5.5M for commercial property, large equipment, or ground-up construction.

Extended repayment terms

Repay over 10–25 years with structured payments that support cash flow and growth.

Fixed interest rates

Lock in consistent monthly payments with long-term stability, no surprises.

Purpose-driven capital

Built for investments that elevate infrastructure and operational capacity.

How does it compare?
SBA 504 loans vs other options
SBA 504 vs SBA 7(a)
SBA 504 vs SBA 7(a) SBA 504 vs Cash Flow
Financing SBA 504 vs Term Loans
504 loans are for fixed assets only;
 7(a) loans offer more general-purpose
flexibility Cash flow financing is faster and flexible,
but shorter term and higher cost Both provide lump-sum capital
504 loans are for fixed assets only;
 7(a) loans offer more general-purpose
flexibility
SBA 504 vs SBA 7(a): 504 loans are for fixed assets only;
 7(a) loans offer more general-purpose
flexibility
SBA 504 vs Cash Flow
Financing: Cash flow financing is faster and flexible,
but shorter term and higher cost
SBA 504 vs Term Loans: Both provide lump-sum capital
504 offers fixed rates; 7(a) often comes with variable rates SBA 504 offers low rates and long terms,
but requires more documentation and time SBA 504 delivers lower rates, longer repayment, and higher funding potential
504 offers fixed rates; 7(a) often comes with variable rates
SBA 504 vs SBA 7(a): 504 offers fixed rates; 7(a) often comes with variable rates
SBA 504 vs Cash Flow
Financing: SBA 504 offers low rates and long terms,
but requires more documentation and time
SBA 504 vs Term Loans: SBA 504 delivers lower rates, longer repayment, and higher funding potential
Why choose National Business Capital?
We help you cut through the red tape

Start today and get one step closer to long-term growth.

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We combine deep SBA expertise with personalized support—so you get approved faster, with fewer roadblocks.

  • Access to top SBA lenders
  • Dedicated SBA loan advisors
  • Streamlined application support
  • Competitive rates, clear guidance, and fast follow-through
Linda Luke
Owner, The Village Gardens, Inc

Funds as you need them, when you need them

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do i qualify?
Eligibility at a glance

SBA 504 loans are structured and purpose-driven.
Here’s what you’ll need:

  • $500,000+ in annual revenue
  • 2+ years in business
  • 685+ personal credit score
  • Use of funds must be for fixed assets (e.g., property,
equipment, large upgrades)
  • Ownership of a profitable business
Check Eligibility

Not a match? Check out your other options

What do I need to PROVIDE?
Required documents

The SBA requires detailed paperwork to process 504 loan applications. You’ll need:

  • SBA form 1919 (Borrower info)
  • SBA form 413 (Personal financial statement)
  • Business debt schedule
  • Articles of incorporation or organization
  • Loan application history (if applicable)
  • Business plan (including financial projections)
  • Collateral documentation (if offering collateral)
  • Business financial statements
  • 3 years of business and personal tax returns
  • Business certificate or license
  • Ownership and affiliations list
  • Resumes for each principal
  • Lease agreement (if applicable)
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FAQs

Fixed asset purchases like commercial real estate, heavy machinery, or major facility upgrades.

Yes, as long as you’ll occupy at least 51% of the space for your business.

Up to $5.5M per project through the SBA. You can also seek additional capital through third-party lenders if needed.

Expect 60 to 90+ days, though National Business Capital can often move faster with prepared applicants.

Yes. Typically, you will need to provide 10% of the project cost as a down payment, though some projects may require more based on risk profile.

Let’s talk funding
Get the capital you need to grow your business

Ready to take the next step? Let’s get you funded.

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