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Get support for declared disasters

Businesses and people affected by recent catastrophes in Texas might be eligible for SBA assistance.

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  1. Home.
• Funding Programs.
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  504 loans
  
  Content
  
  What is the 504 loan program?
  
  The 504 loan program offers long-lasting, set rate funding for major set possessions that promote service growth and task production.
  
  504 loans are readily available through Certified Development Companies (CDCs), SBA's community-based nonprofit partners who promote economic development within their neighborhoods. CDCs are certified and managed by SBA.
  
  The optimum loan amount for a 504 loan is $5.5 million.
  
  Am I qualified?
  
  To be qualified for a 504 loan, your business should:
  
  - Operate as a for-profit business in the United States or its belongings.
• Have a tangible net worth of less than $20 million.
• Have an average net earnings of less than $6.5 million after federal earnings taxes for the two years preceding your application
  
  Other basic eligibility requirements consist of falling within SBA size standards, having qualified management competence, a feasible organization strategy, great character and the capability to pay back the loan.
  
  Loans can not be made to companies participated in not-for-profit, passive, or speculative activities. For additional information on eligibility criteria and loan application requirements, little businesses and loan providers are motivated to get in touch with a Licensed Development Company in their area.
  
  How do I use a 504 loan?
  
  A 504 loan can be utilized for a range of assets that promote service growth and task production. These include the purchase or construction of:
  
  - Existing structures or land.
• New centers.
• Long-term machinery and devices with a useful staying life of a minimum of ten years, consisting of project-related AI-supported equipment or machinery for manufacturing products.
• Consolidating debt under the conditions noted in 13 CFR 120.882, paragraph (e) and.
• Repaying or refinancing debt defined as "competent debt" under 13 CFR 120.882, paragraph (g)
  
  Or the enhancement or modernization of:
  
  - Land, streets, energies, parking area and landscaping.
• Existing centers
  
  A 504 loan can not be utilized for:
  
  - Working capital or stock.
• Consolidating, paying back or re-financing debt that does not satisfy the definition of "qualified debt" under 13 CFR 120.882, paragraphs (e) and (g).
• Speculation or financial investment in rental property. The financing of AI-related working capital, intellectual residential or commercial property, or consulting services soft costs
  
  What do I require to use?
  
  504 loans are available exclusively through Certified Development Companies (CDCs). Find a CDC in your area to guarantee you are handling a . CDCs are distinctively qualified to comprehend 504 loan program regulations, and will help you navigate the lending institution channels to develop your task funding.
  
  Find a CDC near you
  
  Find Certified Development Companies (CDCs) authorized to issue 504 loans.
  
  How do I repay my 504 loan?
  
  Active 504 loans
  
  Loan repayment terms differ according to numerous factors. Borrowers with active 504 loans can make payments through the Central Servicing Agent, normally by ACH monthly draws. Payments can also be made by wire or check.