Long-term, below-market fixed rates for owner-occupied real estate and heavy equipment, with as little as 10% down. Built for owners who would rather build equity than pay rent.
The 504 program pairs a conventional first mortgage with a fixed-rate SBA debenture, so you finance up to 90% of an owner-occupied property or major equipment purchase while locking a fixed rate on the SBA portion for up to 25 years.
It is the strongest structure in the market for owner-operators buying, building, or expanding their own real estate. We manage both sides of the structure, the bank and the CDC, so the pieces close together and on time.
A short call is the fastest way to see what better financing looks like.