SBA 504 Loan Program

Long-term, fixed-rate financing through Certified Development Companies for major fixed assets such as land, buildings and long-life machinery that support business growth.

Run by

U.S. Small Business Administration

Funding

Up to $5,500,000

SBA page body states: "The maximum loan amount for a 504 loan is $5.5 million" (page summary says "up to $5 million" - confirm with a CDC). Manufacturers may take multiple 504 loans for distinct projects.

Your share

Structured with a senior lender and the borrower's own contribution

Who can apply

• Operating, for-profit business in the U.S. meeting SBA size standards
• Not for working capital, inventory or rental real estate speculation
• Machinery must have a useful life of at least 10 years
• Needs qualified management, feasible business plan and ability to repay

How to apply

Contact a Certified Development Company (CDC) from SBA's list, which arranges the loan with a senior lender.

Last checked

2026-10-11

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