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

Loans

SBA 504 Loan Program

Status

Open continuously

No deadline — apply whenever you are ready.

Always open

Amount

$5,500,000

The maximum 504 loan is $5.5 million for major fixed assets. Typical structure is 50% bank loan, 40% CDC/SBA debenture, 10% borrower equity.

You must co-fund 10%.

Funder

U.S. Small Business Administration

public · national

Deadline: rolling

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

small enterprises
Stage: growth
Locally registered entity required

For-profit US business with tangible net worth under $20 million and average net income under $6.5 million for the two preceding years. Funds long-term fixed assets with at least 10 years of useful life; cannot be used for working capital, inventory or speculative investment.

How to apply

Find a Certified Development Company (CDC) in your area via SBA's CDC finder
Work with the CDC and a third-party lender to structure the 50/40/10 financing
Submit the application through the CDC
Close on the bank loan and the SBA debenture

What you will need

Business plan
Three years of business and personal tax returns
Purchase or construction documents for the fixed asset
Job creation/retention or public policy justification

Apply on the funder's site

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

"504 loans are available exclusively through Certified Development Companies (CDCs)"