Owner-occupied property purchase
Eligibility and structure depend on the complete borrower, property and transaction profile.
Home / Loan programs / SBA 504 Financing
Commercial Financing
SBA 504 Financing
Long-term fixed-asset financing delivered through an eligible lender and Certified Development Company structure for qualifying owner-occupied projects.
Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel
Who it is built for
Start with the actual use case.
Growing eligible businesses purchasing or improving major fixed assets such as owner-occupied real estate and equipment.
Key decision
Occupancy, project-cost, job or policy goals, equity and two-lender structure require coordinated execution.
Ground-up facility
Eligibility and structure depend on the complete borrower, property and transaction profile.
Major fixed equipment
Eligibility and structure depend on the complete borrower, property and transaction profile.
The direct answer
How this program works.
SBA 504 addresses eligible major fixed assets through a structured lender/CDC channel. It is not a general working-capital or speculative rental-property facility.
Compare the alternative
Compare 504 fixed-asset funding with 7(a) when other business uses are needed.
Illustrative example
A building purchase and inventory order are different purposes. Separate the fixed-asset budget from operating needs before comparing SBA structures.
Important boundaries
- Working capital and inventory are not ordinary 504 uses.
- Eligibility and lender/CDC participation require confirmation.
Source checked October 9, 2026: SBA — 504 program ↗. Published guidance is educational; lender examples do not establish RedZone availability.
Nevada commercial property notice
Commercial mortgage services advertised through this website are not offered for commercial real property located in Nevada unless the transaction is handled exclusively by an appropriately licensed or exempt Nevada mortgage company and a properly sponsored Nevada-licensed mortgage loan originator. Separate business-purpose financing may be available for qualifying residential investment properties.
General structure
What gets reviewed.
- Eligible property type and jurisdiction
- Sponsorship, experience, liquidity and global financial strength
- Property operating history, projections and debt-service capacity
- Clear business plan, capital stack and exit or permanent-financing strategy
Potential advantages
Where it can work.
- Access to bank, agency, government-guaranteed, private-credit and specialty channels
- Structures can match acquisition, construction, stabilization or long-term ownership
- Property and sponsor strategy are evaluated together
Limitations
Where it can break.
- Nevada commercial, land and non-dwelling property inquiries are not accepted through this website
- Loan terms depend on property, sponsorship, jurisdiction and lender appetite
- Third-party reports, recourse, deposits and closing timelines can vary widely
First-pass file map
Bring enough information to get a real answer.
The point is not to collect every document before a conversation. It is to avoid pricing a fantasy version of the transaction.
- 01Fixed-asset project budget
- 02Operating business and ownership records
- 03Equity, occupancy and financial information
Program FAQs
Direct answers, clean qualifiers.
Official source: U.S. Small Business Administration — 504 ↗Who is SBA 504 Financing designed for?
Growing eligible businesses purchasing or improving major fixed assets such as owner-occupied real estate and equipment.
What can SBA 504 Financing be used for?
SBA 504 Financing may be considered for purchase, construction, eligible refinance, subject to the property, borrower, lender and jurisdiction.
What should I prepare for a SBA 504 Financing review?
A useful first review commonly includes fixed-asset project budget, operating business and ownership records, equity, occupancy and financial information. The final list depends on the selected lender and transaction.
What is the most important decision with SBA 504 Financing?
Occupancy, project-cost, job or policy goals, equity and two-lender structure require coordinated execution.
Is SBA 504 Financing automatically available if I meet general guidelines?
No. Every transaction remains subject to credit, property, documentation, lender, program and jurisdiction approval. Published information is educational, not a commitment to lend.
Related financing lanes
Compare before you commit.
Property and jurisdiction first
Find out whether this lane fits the real transaction.
Content updated October 9, 2026 · Source checks do not constitute lending/compliance approval · Product availability and guidelines require transaction-specific confirmation · This is not a commitment to lend.