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Businesses and individuals impacted by current disasters in Texas might be qualified for SBA help.

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504 loans

Content

What is the 504 loan program?

The 504 loan program provides long-lasting, set rate financing for major fixed properties that promote business growth and task development.

504 loans are available through Certified Development Companies (CDCs), SBA's community-based nonprofit partners who promote financial advancement within their neighborhoods. CDCs are accredited and managed by SBA.

The optimum loan quantity for a 504 loan is $5.5 million.

Am I qualified?

To be qualified for a 504 loan, your organization should:

- Operate as a for-profit company in the United States or its ownerships.
Have a tangible net worth of less than $20 million.
Have a typical earnings of less than $6.5 million after federal earnings taxes for the 2 years preceding your application

Other general eligibility requirements include falling within SBA size guidelines, having actually qualified management competence, a feasible business strategy, good character and the capability to pay back the loan.

Loans can not be made to services participated in nonprofit, passive, or speculative activities. For extra details on eligibility criteria and loan application requirements, small businesses and lending institutions are motivated to contact a Qualified Development Company in their area.

How do I utilize a 504 loan?

A 504 loan can be utilized for a variety of assets that promote service growth and task creation. These consist of the purchase or building of:

- Existing structures or land.
New facilities.
Long-term machinery and devices with a helpful remaining life of a minimum of 10 years, including project-related AI-supported equipment or machinery for production items.
Consolidating financial obligation under the conditions noted in 13 CFR 120.882, paragraph (e) and.
Repaying or re-financing debt defined as "certified debt" under 13 CFR 120.882, paragraph (g)

Or the improvement or modernization of:

- Land, streets, utilities, parking area and landscaping.
Existing centers

A 504 loan can not be utilized for:

- Working capital or inventory.
Consolidating, repaying or refinancing financial obligation that does not satisfy the meaning of "qualified financial obligation" under 13 CFR 120.882, paragraphs (e) and (g).
Speculation or investment in rental genuine estate. The funding of AI-related working capital, intellectual residential or commercial property, or speaking with services soft expenses

What do I need to use?

504 loans are available exclusively through Certified Development Companies (CDCs). Find a CDC in your location to ensure you are dealing with a qualified lender. CDCs are distinctively certified to understand 504 loan program policies, and will help you navigate the lender channels to produce your project financing.

Find a CDC near you

Find Certified Development Companies (CDCs) licensed to provide 504 loans.

How do I repay my 504 loan?

Active 504 loans

Loan payment terms differ according to numerous factors. Borrowers with active 504 loans can make payments through the Central Servicing Agent, typically by ACH month-to-month draws. Payments can likewise be made by wire or check.