SBA 504 Business & Real Estate Loans
Long-Term, Low-Cost Financing for Business Owners
The SBA 504 loan program is one of the best tools for small and mid-sized businesses. At US Professional Funding, we help you use this program to buy property, expand operations, or refinance existing loans. With recent updates, businesses can now refinance and purchase property under one powerful program. You can access up to $15 million by combining first and second lien loans.
The SBA 504 program supports business and real estate acquisitions, expansions, debt refinancing, and start-ups. It helps you preserve cash with low down payments and long-term fixed rates.
How SBA 504 Loans Work
The SBA 504 program includes two parts:
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First Lien (Bank Loan): A bank funds about 50% of the project cost. Terms can be fixed or adjustable for up to 25 years.
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Second Lien (CDC / SBA Portion): A Certified Development Company funds around 40% through the SBA, with fixed terms up to 25 years.
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Borrower Down Payment: You provide the remaining 10%, which can include purchase, closing, and renovation costs.
This structure lowers upfront expenses, reduces risk, and locks in stable payments for long-term growth.
Advantages of SBA 504 Financing
The down payment is based on total project costs—not just the purchase price. This allows you to roll in expenses such as renovations, closing costs, and fees. You save more cash for your business operations.
Program Highlights:
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Down payments starting at 10%
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Terms up to 25 years
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Available for many commercial property types
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Accessible nationwide
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Borrower must occupy at least 51% of the property
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Credit score of 650+ preferred (flexible with strong financials)
Why Choose US Professional Funding
At USPF, we make the SBA 504 process simple and fast. Our team provides personalized guidance and ensures your financing is structured for success.
We offer:
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Fast 24-hour pre-approvals
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Up to $15 million in total project funding
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Fixed-rate, fully amortized loans
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Nationwide coverage and dedicated support
Our specialists work directly with you to simplify the process and deliver financing built around your goals.
Start Your SBA 504 Application Today
An SBA 504 loan can help you buy property, expand your business, or refinance existing debt—while keeping your payments affordable. Contact US Professional Funding today to discuss your project and get started.