From 29c1da066aca72eb5feffb7d8d6fd21dc12bf6be Mon Sep 17 00:00:00 2001 From: rufusbroughton Date: Tue, 11 Nov 2025 10:29:16 +0800 Subject: [PATCH] Add What is the 504 Loan Program? --- What-is-the-504-Loan-Program%3F.md | 184 +++++++++++++++++++++++++++++ 1 file changed, 184 insertions(+) create mode 100644 What-is-the-504-Loan-Program%3F.md diff --git a/What-is-the-504-Loan-Program%3F.md b/What-is-the-504-Loan-Program%3F.md new file mode 100644 index 0000000..9dcd180 --- /dev/null +++ b/What-is-the-504-Loan-Program%3F.md @@ -0,0 +1,184 @@ +
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1. Home. +2. Funding Programs. +3. Loans. +4. 504 loans
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- Loans - Make a payment to SBA. +- 7( a) loans. +- 504 loans - List of CDCs
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504 loans
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Content
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What is the 504 loan program?
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The 504 loan program provides long-lasting, set rate financing for major fixed properties that promote business growth and task development.
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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.
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The optimum loan quantity for a 504 loan is $5.5 million.
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Am I qualified?
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To be qualified for a 504 loan, your organization should:
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- 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
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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.
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Loans can not be made to services participated in nonprofit, passive, or speculative activities. For extra details on eligibility [criteria](https://bytnapronajem.online) and loan application requirements, small businesses and lending institutions are motivated to contact a Qualified Development Company in their area.
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How do I utilize a 504 loan?
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A 504 loan can be utilized for a variety of assets that promote service growth and [task creation](https://thembalifikile.co.za). These consist of the purchase or building of:
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- Existing structures or land. +- New facilities. +- Long-term machinery and devices with a [helpful remaining](https://kerkobanese.com) 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)
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Or the improvement or modernization of:
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- Land, streets, utilities, parking area and landscaping. +- Existing centers
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A 504 loan can not be [utilized](https://froghousing.com) for:
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- 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
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What do I need to use?
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504 loans are available exclusively through Certified Development Companies (CDCs). Find a CDC in your [location](https://franchise-bulgaria.com) 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.
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Find a CDC near you
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Find Certified Development Companies (CDCs) licensed to provide 504 loans.
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How do I repay my 504 loan?
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Active 504 loans
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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.
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