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Unclaimed
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%. Work out the cash you need

Funder

U.S. Small Business Administration

public · national

Deadline: Open all year

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

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

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

What you will need

Related reading: How grant deadlines actually work · The EU SME definition (Recommendation 2003/361)

Apply on the funder's site

Source. https://www.sba.gov/funding-programs/loans/504-loans

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

Verified on 14 August 2026

Source: www.sba.gov

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