Discovery tool, not advice. Every figure is the published rule, not a decision on your case.

Loans

SBA 504 Loan Program (CDC/504)

SBA 504 Loan Program

Status

Open continuously

No deadline — apply whenever you are ready.

Always open

Amount

$5,500,000

SBA: 'The maximum loan amount for a 504 loan is $5.5 million.' This refers to the CDC/SBA debenture portion; the total project is typically financed 50% by a third-party lender, 40% by the CDC/SBA debenture and 10% by the borrower.

You must co-fund 10%.

Funder

U.S. Small Business Administration via Certified Development Companies

ppp · national

Deadline: rolling — No deadline; apply through a Certified Development Company year-round.

Your odds

Not published

This funder does not publish a success rate. We rank it using the rate observed across similar programmes and label it as an estimate rather than implying we know.

Effort

major

Major bid — written case, budget, possibly partners.

You fund 10% yourself.

Who can apply

Sectors: manufacturing, any
Stage: growth
Locally registered entity required

For fixed assets only: purchase or construction of buildings, land or facilities, and long-term machinery and equipment with a minimum 10-year useful life, plus qualified debt refinancing. Cannot be used for working capital, inventory, speculative real estate or non-qualifying debt - so it is of limited use to early-stage software startups. No SAM.gov registration or UEI required (this is a guaranteed loan, not a federal award).

How to apply

Confirm eligibility: tangible net worth under $20 million and average net income under $6.5 million after federal income taxes for the preceding two years. — link
Locate a Certified Development Company (CDC) in your area - '504 loans are available exclusively through Certified Development Companies (CDCs).' — link
Work with the CDC and a third-party lender to structure the project financing.

What you will need

Business plan and project cost breakdown
Two years of business tax returns and financial statements
Evidence of owner-occupancy / asset purchase documentation

Apply on the funder's site

Source. https://www.sba.gov/funding-programs/loans/504-loans — checked 2026-08-14

"The maximum loan amount for a 504 loan is $5.5 million."