We discuss credit in the section of this site dedicated to SBA 504 loan rates. This type of SBA 7(a) loan functions almost exactly like a standard 7(a) Loan, except for assessing the borrower’s creditworthiness. The SBA 504 Loan program is a powerful economic development loan program that offers small businesses another avenue for business financing, while promoting business growth, and job creation. 10 years for a business acquisition or equipment loan.Up to 25 years for real estate.5 to 7 years for working capital.Prepayment penalty. Sign in here. When you get an SBA 504 loan, you can expect to save on costs. An SBA 504 loan is a long-term financing solution for business owners to buy commercial real estate, machinery, equipment or other fixed assets. This means only for-profit businesses that operate in the United States are eligible for a 504 loan. Liz Brumer-Smith is a real estate investor and Millionacres contributor. Net worth of $15 million or less.Average net profit after taxes for the past two years should be $5 million or less. Learn More. Instead of the usual five to 10 business days, the SBA will review your application and give you an initial approval decision within 36 hours for Express loans. Applicants must have invested interest or equity in the company and be able to prove how the loan will stimulate economic activity or help retain or create jobs. Interest rate: Below-market interest rates are fixed for the life of the loan. SBA 504 equipment loan: affordable financing for fixtures, furnishings, machinery & equipment. Quick Decision Making Process. Most notable positive aspects of funding with an SBA 7a loan: SBA loans have some the lowest interest rates that a small business owner can come across. Under certain circumstances, you may be required to contribute up to 20 percent of the total project cost.*. Learn more about the features of this new small business loan here. When getting your SBA 7a loan form SMB Loans your application will never be declined on the basis of insufficient collateral. For New SBA 504 Loans APPROVED BETWEEN February 1, 2021 – September 30, 2021: Total of 3 months of capped payment assistance. As with all other federally sponsored loan programs, the government requires borrowers to be of good character and demonstrate the ability to repay the SBA Express loan debt. © 2018 - 2021 The Motley Fool, LLC. $5 million maximum loan amount. Then the maximum loan amount is $5.5 million. The 504 loan is not the only loan program offered by the SBA. 504 Capital Corporation, a leading CDC in the area working under ALP program is here to help, and we mean that in every sense of the word. The structuring of an SBA 504 loan will vary on a loan-by-loan basis; however, SBA 504 loans designate funding through a specialized loan structure: Up to 50% as a bank loan conveyed as a conventional first mortgage. NOTE: We respect your privacy. The SBA 504 Loan Program: Helping Small Businesses Think Big! With an SBA 504 loan, money can be used to buy a building, finance ground-up construction or building improvements, or purchase heavy machinery and equipment. Whereas other SBA loans may require extensive time before approval with a process that can take up to three months, an SBA Express loan allows business owners to get a decision and receive funding in a shorter amount of time. $350,000 maximum loan amount. The Ascent's Best Cities for a High Salary and Low Cost of Living -- How Does the Real Estate Measure Up? 504 rates are fixed for 20 years, typically at the 10-year Treasury rate plus 2 1/2 to 3%. Under the new law, relief will continue to be available to new borrowers who take out loans within six months, as the SBA will cover the first six months of principal and interest payments (capped at $9,000 a month) through September 2021. Up to 40% as a CDC loan, which is backed by the SBA and conveyed as a second mortgage. Over the last several years, we have established a reputation as leaders in our field by going above and beyond to ensure your needs and expectations are always met and exceeded. Low Down Payment. In addition, the interest rate is fixed for the life of your SBA loan. Up to 40% as a CDC loan, which is … It's suggested applicants should seek alternative financing first, like a conventional loan, before applying for the SBA 504 loan program -- especially if they're tight on time. These apply to you (the borrower), but also to lenders, and even the project you’re about to embark on. Call the SMB Loans Customer Service Center at 1-888-357-3547 for help with your application, or PRE-QUALIFY ONLINE in just 15 minutes! While there’s a fair bit of overlap between the loans with regard to what they can be used for, the 504 was originally intended for buying commercial real estate and financing big-ticket equipment. To help owners navigate the pandemic, the agency covered six months of payments on all existing loans and any new ones issued before September 27, 2020. Loan Term: 20 - 25 Years (fully amortizing) Rates: Starting at Prime + 1.25% - 2.75% Loan to Value: Up to 90% LTC (80% on hotels and motels) DSCR: Minimum 1.20x DSCR on existing cash flow Reserves: Taxes and Insurance Credit Score: 680+ Learn what an SBA 504 loan is, how it works, who is eligible for the 504 loan program, and how the 504 loan compares to other SBA loan programs. Many strong businesses apply for an SBA 504 to get better loan terms. The 504 rate is estimated based on current rates. www.cafemedia.com/publisher-advertising-privacy-policy, Extensively researched articles in the areas of Real Estate Taxes, REITs, CREs, Regulation A and The 504 Loan is a program that creates jobs, promotes business growth, and provides business financing. How to Buy Your First Investment Property With 5% Down (Or Less), These REITs are Immune to the Coronavirus' Impact, Cities and States That Have Paused Evictions Due to COVID-19, The Metros Where Retail CRE will be Hit the Hardest. Under the new law, these borrowers will receive an additional 3 months of payments from SBA, beginning in February 2021. The loan may be used for small and large businesses, for everything  real estate to equipment and working capital. Only certain banks have the ability to fund an SBA loan, so it's important to find a banker or broker who is experienced with SBA loans and can help you navigate the application and funding process. This multi-purpose SBA loan program offers the most flexible and longest-term loans. 10 years for an equipment loan.20 or 25 years for real estate.Prepayment penalty. A unique benefit that the SBA Express loan offers over other SBA loans is a quicker decision process. SBA is providing debt relief to existing SBA loan borrowers during the COVID-19 pandemic. Millionacres does not cover all offers on the market. At first glance, it may be difficult to understand which program is right for you, so let's take a look at how they differ. Get our 43-Page Guide to Real Estate Investing Today! The SBA -backed portion of the 504 loan will be a second mortgage, financing up to 40 percent of eligible project costs. The law also provides for an additional five months of payments for existing borrowers (as of 12/27/20) in industries hit hardest by the pandemic. The SBA -backed portion of the 504 loan will be a second mortgage, financing up to 40 percent of eligible project costs. If you have an existing SBA 7(a) or 504 loan (or are considering getting one), here’s how this loan subsidy program will work. Real estate has long been the go-to investment for those looking to build long-term wealth for generations. 10% to 20% down payment by the borrower or business owner. [Updated: Feb 04, 2021] Jun 12, 2020 Under this program, Bank of Hope provides 1st Deed financing and the Certified Development Company (CDC) provides 2nd … Interest rates are typically lower than the lender’s interest rate. Additionally, the applicant's tangible net worth cannot exceed $15 million, and the business's average net profit after taxes for the past two years cannot exceed $5 million. These benefits weren't enough for Uncle Sam, though, as a new tax loophole now allows those prudent investors who act today to lock in decades of tax-free returns. The SBA guaranteed portion of any 504 loan financing offer is actually just the second mortgage which has a max amount of $5 million unless your loan qualifies as an SBA Green Loan or if you are a manufacturer, in which case the maximum 504 loan amount is $5.5 million. When a conventional loan is not possible, a 504 loan may be the answer. The goal of the SBA 504 loan program is to provide small businesses with long-term financing (10-, 20-, or 25-year loan term) at competitive rates that promote economic growth and job creation. Certain eligible energy-efficient or manufacturing projects may qualify for more than one 504 loan up to $5.5 million each. Use of proceeds: Long-term, fixed assets for expansion or modernization (usually real estate or large equipment). Please read our Privacy Statement and Terms & Conditions. Learn More.Already a member? We’ll never sell or share your information with spammers! That means six months of loan payments you’ll never have to make. For more information about SBA loans, please contact our SBA Lending Division at (405) 270-4736 or (888) 313-2722. We do receive compensation from some affiliate partners whose offers appear here. For real estate purchases or refinance, SBA requires that Lender take a first secured interest in business assets and/or a mortgage on real estate. The term on these lines of credit ranges from five to 10 years. SBA CDC/504 Loans. You can unsubscribe at any time. It's important to note that any principal owners, which are those with a 20% or more equitable share in the business, are required to provide a personal guarantee as a part of the 504 program. Pre-qualify in just 15 minutesauto-reply-email includes 7a application, auto-reply-email includes SBA application. Some CDC's charge higher loan rates in … Existing facility or piece of real estate. SBA Express: 36-hour application review and response from SBA. For select industries, SBA will make additional 5 monthly payments of existing borrowers – FREE! These impacted industries include : The SBA’s 7(a) loan is designed to help small businesses thrive. What is the SBA 504 Loan? As such, the term lengths trend a bit longer: 20 to 25 years. 504 loans are fit for small businesses in search of fixed interest rates with long-term financing and smaller down payments. The main differences among the different loan types are the loan amounts, the processing times, and use of funds. Processing fee of 1.5%, which includes the processing of the loan and legal review. It's also important to note that there are considerable fees associated with an SBA loan, which currently through Sep. 30, 2020, are as follows: While these fees can be rolled into the financing, it's generally a higher-cost loan than a conventional loan program regarding fees. It’s fully amortized with no balloon payment. The SBA 7(a) loan is another loan program offered through the Small Business Administration, although it is suited for different business needs than the SBA 504 program. The SBA 504 loan program allows business owners to finance equipment and other fixed assets, such as fixtures, furnishings and machinery, in conjunction with purchasing real estate property. Long-term, fixed rate financing of up to $5 million for major fixed assets Must qualify as a small business according to SBA Size Guidelines (varies by industry type). With the standard 7 (a) loan you can filled out our online form to get pre-qualified in just 15 minutes and automatically receive via email 7(a) a tillable application, the SBA will review your loan application and give you an initial approval decision within five to 10 business days. But keep in mind that while an SBA loan offers competitive rates, it's a tedious and lengthy process that can take anywhere from 40 to 60 days to finalize. * This is the effective rate. Qualifying for an SBA Express loan is pretty simple. Fixed Rates Available. Features: The "504 loan" provides SBA direct permanent financing for real estate purchases, completed construction or machinery and equipment purchases. SBA 504 Structure. The SBA Express loan offers amounts up to $350,000 and offers a quick turnaround to applicants in a time-sensitive bind. Simply click here to get your free copy. An SBA 504 guaranteed real estate loan with a fully amortizing 20 year fixed rate period as of today is the 10 year treasury rate which is 2.12% plus the fixed rate of .48% plus ongoing annual fees of 1.7% for an all in rate of 4.3%. Under the 504 program, two loans are issued. Unlike a bank, or local lending institution, which only lend to the most credit-worthy businesses, SMB Loans with its relationships and national lenders, will match you with the fastest and most affordable financing options you need. Fix rate and variable-rate loans are available. Under the umbrella SBA 7(a) program are several types of 7(a) loans and lines of credit. Servicing fee of 0.3205% (32.05 basis points) of the outstanding balance of the loan, which is charged annually. An SBA 504 loan can be a great financing option for small business owners looking to expand their business or build a new one. Required equity: A low down payment (10 percent in most cases) conserves your working capital.Terms: 10, 20 or 25 year terms. The program is so named because it was originally created by Section 504 of the Small Business Investment Act of 1958. Relief is capped at $9,000 per loan per month. If you think you would benefit from an SBA 504 loan, speak with a qualified mortgage broker or banker at an SBA-approved lending institution. Unlike other SBA loans, the SBA 504 loan program offers lower up-front fees and fixed interest rates, a huge bonus given the recent trend of rising interest rates. Please contact us today for a FREE, no-obligation analysis of your financing needs. Must prove job retention or job creation out of proceeds.A personal guarantee for any owner with 20% or more stake in the business. 7a loan proceeds can be used for short-term or long-term working capital and to purchase an existing business, refinance current business debt, or purchase furniture, fixtures and supplies. No Balloon Payment. That's because it offers incredible returns and even more incredible tax breaks. Compensation may impact where offers appear on our site but our editorial opinions are in no way affected by compensation. Investing in real estate has always been one of the most effective paths to financial independence. Section 504 was subsequently codified at 15 U.S.C. The final rate is set at the time of loan funding. With our knowledge and expertise, we will find a solution for all your financing needs. Loan Amount: Up to $14 million. Real Estate 101. Our SBA 504 financing is provided in tandem with bank financing and equity, invested by the borrower, so the burden is not all on you as a small business owner. : Since it is fixed-cost and long-term as well as SBA-backed, the 504 is one of the best financing options available for … Put Real Estate’s “Unfair Advantages” to Work for Your Portfolio. Borrowers will get three months of principal and interest payments on existing 7(a) loans, capped at $9,000 per month, starting in February 2021. SBA 504 Loan Features. It includes fees to SBA, CDC and central servicing agent. Annual sales cannot exceed $750,000 or $33.5 million for retail, service, or agriculture industries.100 employees or fewer, or 1,000 employees or fewer for a wholesale or manufacturing business. As of February 15, 2012, the $50 Billion in 504 loans has created over 2 million jobs. All rights reserved. While they are not as stringent as some other types of loans, you will find a wide range of eligibility requirements when it comes to the 504 loan program. Product Information. Loan proceeds can be used for the following purposes: SBA 504 loans are usually fixed-rate loans that can span as long as 25 years, depending on what the funds are being used for. Here are the different types of SBA 7(a) loans: Standard 7(a) loans can go up to $5 million, and the funds you acquire through this loan can be used toward a variety of business reasons, whether you’re looking to expand your business or need additional working capital. Educational services, Arts and entertainment, Accommodation and food services, Mining and logging, Apparel, Clothing, Sporting goods, hobby companies, music stores, Air transportation, Ground transportation, Sightseeing, Publishing industries, Motion picture and sound recording, Broadcasting, Rental and leasing, Personal and laundry services. Will the Covid 19 Crisis Push Home Values Lower? Equipment – up to 10 years (or useful life), Net profit after tax less than $5 million, For Businesses with a Net Worth under $15 million, Land Buildings (purchase, refi, new construction, or renovation), Machinery & Equipment (minimum useful life of 10 years), Lender holds the 1st mortgage on real estate or the 1st secured interest in machinery & equipment, SBA holds the 2nd mortgage on the real estate or the 2nd secured interest in machinery & equipment, Machinery and heavy equipment 7 – 10 years, Sporting goods, hobby companies, music stores, Should be in operation for at least 2 years, Must qualify as a small business according to SBA size standards, Must be able to prove/show a need for financing, Must be able to show that funds will be used for sound business purposes, There can be no delinquencies on previous debts to the government. Both the 7(a) and 504 loans can help small business owners to grow or maintain their business, each differs in the purposes for which it can be used. SBA 504 Loan. The structuring of an SBA 504 loan will vary on a loan-by-loan basis; however, SBA 504 loans designate funding through a specialized loan structure: Funding for an SBA 504 loan starts at $125,000 and is capped at $5 million, although certain businesses, such as energy projects, can receive up to $5.5 million or more. Expand, acquire, or start a business.Purchase an existing building.New construction.Refinance existing business debt.Equipment or inventory purchase.Working capital.Leasehold improvements. SBA waived borrower and lender fees for 7a and 504 loans, SBA extended the $1M 7a Express Loan limit, SBA provided incentive for bank approvals by raising 7a loan Guarantee to 90% from 75%, Expedited 504 loan approval for funds under $500k, Rates 6.0% (no collateral required, no prepayment penalty). TMC is a Certified Development Company that provides commercial real estate financing to small business owners via the SBA 504 Loan Program. SBA Advantage (7a): SBA’s most common and ˛exible loan program. Currently, SBA 504 loan interest rates are 4.66% for a 20-year loan and 4.49% for a 10-year loan. The SBA 504 loan puts financing within reach for small businesses through low down payments and … If none of these 7(a) loan programs meet your needs, find out about other SBA loan programs, including the CDC loan program for real estate and equipment financing and the microloan program for startups. 504 fees* are to 2.65% of the 504 loan amount plus $2300 and are financed with the project. Be engaged in, or propose to do business in, the US or its territories, Business owners must be US citizens or legal permanent residents, Buildings, Equipment, Furniture & Fixtures, Inventory, Business Acquisition, Working Capital, Business debt consolidation, operational expenses, payroll, rents, cash reserves, marketing, hiring new resources. You need to find either a lender that offers 504 loans, or a … The remaining 10 percent will be your small business owner contribution. The SBA 7(a) loan is the SBA’s most popular loan program. Funding fee, which varies based on the loan type and amount. Let us help you navigate this asset class by signing up for our comprehensive real estate investing guide. SBA will pay your first 6 monthly principal & interest payments – FREE! The 504 loan consists of a conventional first mortgage, typically for 50 percent of the project cost, from SMB-Loans. Become a diversified real estate investor without ever talking to an agent or swinging a hammer. SBA Grow (504): Designed for ˚nancing real estate projects and equipment purchases. The U.S. Small Business Administration's SBA 504 Loan or Certified Development Company program is designed to provide financing for the purchase of fixed assets, which usually means real estate, buildings and machinery, at below market rates. The remaining 10 … Other borrower advantages include: Lower down payment; Below-market financing Purchase an existing building.Land acquisition and ground-up construction.Improve, repair, or expand existing building.Equipment purchase.Working capital.Leasehold improvements. An SBA 504 loan is a 10-percent down, fixed-rate, long-term loan designed to expand capital access - filling a market gap in long-term financing for America's small businesses. 3 months of payment subsidies starting with first payment due after the loan is in regular servicing status. Sample SBA 504 Loan Terms as of 2021. The SBA 504 loan is a financing program offered by the Small Business Administration and Certified Development Companies. Pre-qualify for 7(a) loan in just 15 minutes!auto-reply-email includes 7a applications, The 504 loan consists of a conventional first mortgage, typically for 50 percent of the project cost, from SMB-Loans. Our commitment to you is complete honesty: we will never allow affiliate partner relationships to influence our opinion of offers that appear on this site. More SBA 504 Loan info: 504 Loans. The U.S. Small Business Administration established the 504 loan to help businesses purchase owner-occupied commercial real estate and … To offer loans, the SBA partners with Certified Development Companies (CDC), which are non-profit corporations promoting economic development in their communities. And there will be an additional five months of payments for existing borrowers in industries hit hardest by the pandemic. Up to 50% as a bank loan conveyed as a conventional first mortgage. We pride ourselves on delivering the highest standard of customer service. All payments provided for in the new stimulus law will be capped at $9,000 a month. But even if your SBA loan is a variable-rate loan, you have the peace of mind that the rate can never exceed the SBA maximums. Buying a Home in These 7 States Gives You the Most Bang for Your Buck. Comprehensive real estate investing service including CRE. Maximum SBA loan amount: Loans are generally capped at $5 million. The structure for the 504 program, as a percentage of total project costs, is typically as follows: 50% lender's loan; 40% SBA 504 debenture note They allow for a long term fixed rates and a 20–25 year fixed pricing on the CDC portion of the loan, at typically lower than market rates. Additional Terms. Sign up for Real Estate Winners to create a wealth-building strategy today. The SBA 504 loan can be for 10, 20 or 25 years. A long-term, fixed-rate solution with 10, 20, & 25 year terms available. Find a Lender/CDC: The next step can go one of two ways depending on your desires. SBA 504 Loan Requirements for Borrowers, Projects, Lenders, and More. However, the lender that you work with will. Access to timely real estate stock ideas and Top Ten recommendations. To start, let’s look at the SBA 7(a) loan. With the standard 7 (a) loan you can filled out our online form to get pre-qualified in just 15 minutes and automatically receive via email 7(a) a tillable application, the SBA will review your loan application and give you an initial approval decision within five to 10 business days. Under the CARES Act, the SBA covered six months of payments on all loans existing as of March 27, 2020, and any new loans issued prior to Sept. 27, 2020. She graduated from the University of Central Florida and taught … A member of our professional staff will contact you to discuss your business’s short and long-term financial needs. This Site is affiliated with CMI Marketing, Inc., d/b/a CafeMedia (“CafeMedia”) for the purposes of placing advertising on the Site, and CafeMedia will collect and use certain data for advertising purposes. One is the first mortgage loan from CB&T with the SBA issuing a separate loan (called a “debenture”) in a junior lien position. The SBA 504 program is better suited for long term business debt and has the advantage of having fewer fees than other SBA products and larger loan amounts with a total equity injection of 10–20%. CDCs and the SBA have defined eligibility qualifications, which are described above, but any participating lender has the right to designate their own eligibility requirements that may go above and beyond the SBA 504 program. Sign in here. The SBA 504 loan can be a great loan program for eligible business owners or aspiring real estate investors looking to purchase and finance a new qualifying business or existing real estate. *By submitting your email you consent to us keeping you informed about updates to our website and about other products and services that we think might interest you. SBA 504 loan eligibility is a little easier than SBA 7(a) eligibility, especially if the business is minority-owned. Through the CAPLines program, the SBA offers four types of SBA lines of credit. The CARES Act’s $2-trillion stimulus package includes $17 billion to cover non-COVID-related SBA loan payments for six months. Medical Office Equipment & Supplies (including dentists, chiropractors), Accounting, Bookkeeping and Tax Preparation, And other manufacturers supporting all approved industry types, Commercial real estate (purchases, construction, or refinance), Machinery, equipment, furniture or fixtures, Franchises, Motels, Restaurants Gas Stations and C-Stores. Project sizes range from $250,000 to $20 million. Borrowers who take out new loans before October 1, 2021 will receive the first six months of principal and interest payments from SBA. SBA loan terms go up to 25 years for real estate, 10 years for equipment, and seven years for working capital. Refinancing of large equipment and/or owner-occupied commercial real estate may also be possible. There are a few requirements, like operating your business within the United States and not having any existing debt obligations to the government. New provisions to the 7(a) loan program include a guaranty increase to 90%, up from 75%. SBA 7(a) Loan and SBA 504 Loan Overview. The loans, while selective, are open to eligible, for-profit small businesses operated by United States citizens and resident aliens. The U.S. Small Business Administration established the 504 loan to help businesses purchase owner-occupied commercial real estate and equipment while retaining working capital. § 697a. TMC consistently ranks among the top certified development companies nationwide, and has funded projects worth more than $9 billion across California and Nevada. A personal guarantee for any owner with 20% or more stake in the business.May require the borrower to pledge primary residence if there is more than 20% equity in their home. We've put together a comprehensive tax guide that details how you can benefit from this once-in-a-generation investment opportunity. With an accelerated turnaround time for SBA review, borrowers are given a decision within just three days. The U.S. Small Business Administration has begun accepting applications for the new 25-year term SBA 504 loan, which can be used to finance commercial real estate or large equipment for business use. Starting in February 2021, existing borrowers receive three months of waived principal and interest payments, up to $9,000 per month. Please contact us at 1-800-414-5285 to find out how the SBA 504 or 7a could help your business. by, Real Estate Investing: 10 Ways to Build Wealth. An SBA 504 loan is a long-term loan issued through a nonprofit corporation called a Certified Development Company (CDC) and third-party lender, which is overseen, authorized, and regulated by the Small Business Administration (SBA). The SBA’s 504 Loan Program gives small business owners access to the same low-cost fixed-rate, long-term financing large businesses have through the bond markets. To learn more about CafeMedia’s data usage, visit: www.cafemedia.com/publisher-advertising-privacy-policy. If you're a commercial real estate investor or small business owner in need of financing, you may benefit from a specialized loan program called the SBA 504 loan. Whether you need to get new equipment, finance your accounts receivable, raise working capital, or acquire Commercial Real Estate, SMB Loans can help you get approved and funded! The loans may be used for commercial real estate, renovating existing facilities, construction, heavy machinery, medical equipment, manufacturing equipment, precision equipment, and more. Disclousure: SMB-Loans.com is the property of Business Funding New York, LLC, © 2002-21 Business Funding New York, LLC | All Rights Reserved, Loan decision in 36 hrs, funding in 7-14 days, I need SBA Real Estate/Machinery Loan, up to $10M, Multi-purpose financing, Business expansion, working capital, Small export businesses that need working capital, Businesses that need to compete with foreign entities, Commercial builders, seasonal businesses, businesses that are fulfilling government contracts, and businesses with cyclical gaps in cash flow, Better rates, lower fees, longer terms, and more flexible qualification terms and down payments. Our SBA lending specialists are experienced, intelligent, and dedicated to your success. SMB Loans, a Branch of Business Funding New York LLC, is comprised of a group of highly experienced and seasoned, certified, financial professionals. * Startup and special-purpose properties may require an additionalcontribution from the borrower. 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Small businesses thrive fee of 1.5 %, which is charged annually a financing program offered by the borrower are... These impacted industries include: the next step can go one of the project to and... S commercial relative our Privacy Statement and terms & Conditions increase to 90 %, up to $ 20.! Eligible, for-profit small businesses in search of fixed interest rates are fixed for the past years... To 90 %, which is backed by the borrower servicing agent comprehensive guideÂ... Businesses in search of fixed interest rates are 4.66 % for a 504 loan up to 40 % as bank!, Extensively researched articles in the Section of this site dedicated to your success,... Should be $ 5 million more about the features of this site dedicated to SBA CDC!