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SBA 504 Loans


Loan Highlights

Loan Amount

$100,000 to $2,600,000


Property Types

Retail (anchored, shadow anchored and unanchored), Industrial,
Office, and Self-Storage



10 years (7 and 15 year terms available) on Lender’s trust deed,
20-year fixed rate and amortizations available on CDC Small Business Finance 2nd trust deed/note



20 to 25 years based on property type, age and condition


Interest Rates

Fixed Rate



Not to exceed 50% on Lender’s 1st trust deed; and 90% on
CDC Small Business Finance 2nd trust deed



Lockout period as short as 24 to 36 months. Any prepayment
penalty will be based upon the remaining term of the loan.


Cash Requirement

10% Cash Down-payment Requirement


Minimum Debt

Typically 1.25x or >


Owner Occupancy

51% or greater








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