Looking for a loan for your growing business?
Acquisition of commercial real estate
SBA 504 Commercial Real Estate Acquisition
Purchase your building with as little as 10% down, lock in a long-term fixed rate, and start building equity instead of paying rent. The SBA 504 Program is designed to help business owners take control of their location and invest in their future.
Refinancing
SBA 504 Debt Refinance
Refinance your owner-occupied commercial real estate to lower payments, improve cash flow, and strengthen long-term stability. The SBA 504 Refinance Program replaces existing debt with long-term, below-market fixed rates, with potential access to equity.
Financing equipment
SBA 504 Financing Equipment
Invest in the equipment your business needs to grow—with long-term, fixed-rate financing designed to preserve cash flow and support expansion. The SBA 504 Program helps businesses upgrade, modernize, and scale operations with confidence.
SBA 504 Loan Program
The SBA 504 Loan Program helps business owners purchase, build, or refinance owner-occupied commercial real estate with low down payments and long-term, below-market fixed rates.
What It Can Be Used For
- Purchase owner-occupied commercial real estate
- Include building improvements or renovations
- Purchase large, long-term equipment
- Ground-up construction
- Building improvements or renovations
- Refinance existing owner-occupied commercial real estate debt
- Refinance existing owner-occupied commercial real estate debt with cash out for eligible business expenses
Refinance large, long-term fixed equipment with a useful remaining life of a minimum of 10 years.
Loan Details
- Up to 90% financing
- 10% down payment (typically)
- Fixed rates for 10, 20, or 25 years
- Standard Project: up to $5 million
- Small Manufacturing: up to $5.5 million per project and unlimited projects
Energy Efficient Projects: up to $5.5 million per project and not to exceed $16.5 million aggregate
Minimum Requirements
- Owner-occupancy (51%+)
- Strong credit and repayment ability
- Cash flow (typically 1.20x DSCR or greater)
- Equity injection required
- Job creation or public policy goal
Higher Limits for Energy Efficient Financing
Whether it’s your first project or additional project, you may be eligible for more SBA financing by incorporating energy-efficiency into your project.
- Up to $5.5 million per project
- Up to $16.5 million per borrower
Requirements:
- Reducing energy by 10% or
- Generating 15% of renewable energy sources
What can Success Capital do for you?
- We determine eligibility for your business and project for an SBA 504 loan.
- We guide you through the application process and structure the SBA 504 financing.
- We coordinate with your banking partner to align terms, timing and project requirements.
- We package and submit the SBA 504 loan for SBA approval.
- We manage the closing process to ensure timely and coordinated funding.
- We service your SBA 504 loan for the life of the loan and answer your call with a dedicated professional, never an automated menu.
*-average net income (after taxes) for the two years preceding the application
We determine eligibility for your business and project for an SBA 504 loan.
We guide you through the application process and structure the SBA 504 financing.
We coordinate with your banking partner to align terms, timing and project requirements.
We package and submit the SBA 504 loan for SBA approval.
We manage the closing process to ensure timely and coordinated funding.
We service your SBA 504 loan for the life of the loan and answer your call with a dedicated professional, never an automated menu.
Still have questions about 504 loans?
Get answers to your frequently asked questions here.
You may qualify for SBA 504 Loan if…
Success Capital will guide you through eligibility clearly and confidently — no guesswork.
- You are a for-profit California business
- Tangible net worth below $20 million
- Average net income is under $6.5 million*
- The business meets owner-occupancy requirements: 51% for existing buildings or 60% for new construction (plan to reach 80% over time)
- All business owners are U.S. Citizens or U.S. Nationals or Naturalized Citizens who have their Principal Residence in the U.S., its territories or possessions.
*-average net income (after taxes) for the two years preceding the application
A history of dependable financing.
SBA 504 loans offer historically low, stable interest rates that you can count on.
Still have questions about 504 loans?
Get answers to your frequently asked questions here.