SBA 504 Loans
Secure up to 90% financing for fixed asset projects, like new buildings or equipment, with competitive rates and flexible terms

Looking to expand your business but need affordable financing? SBA 504 loans offer established businesses like yours the perfect opportunity to secure low-interest, long-term financing for major assets such as real estate, equipment, and renovations. Whether upgrading your facilities or expanding your operations, our team guides you through every step of the SBA 504 loan process, helping you unlock new growth potential without the heavy financial burden. Let Cornerstone Capital Advisors help you take the next step in your business’s success story.
- Understanding SBA 504 Loans
- Why Consider SBA 504 Loans?
- How We Help You Secure an SBA 504 Loan
- Eligibility Criteria
- Fast Facts: SBA 504 Loans
- Frequently Asked Questions (FAQ)
- Take Control of Your Business’s Growth Path Today
Understanding SBA 504 Loans
SBA 504 loans from Cornerstone Capital Advisors are part of a broader range of SBA financing options designed to support small and medium-sized businesses. These loans are intended for businesses with an established track record looking to expand their operations. With low interest rates, long-term financing, and fixed-rate stability, SBA 504 loans offer an attractive option for business owners seeking to minimize financing costs while maximizing their growth potential. These loans fuel economic development by providing businesses with the capital to invest in fixed assets such as real estate and equipment.
Quick Benefits of SBA 504 Loans:
- Low Interest Rates: Competitive rates make it easier to manage your budget.
- Long-Term Financing: Terms up to 25 years ensure manageable payments.
- Fixed Rates: Predictable monthly payments provide financial stability.
Why Consider SBA 504 Loans?
One of the primary advantages of SBA 504 loans is the potential for expansion. These loans can be used to acquire property, purchase essential equipment, or undertake renovation projects that enhance your business’s facilities. This financial support allows you to focus on growth strategies without the burden of short-term financial constraints. Additionally, the fixed-rate nature of these loans offers peace of mind, knowing that your monthly payments will remain consistent throughout the loan term.
Expansion Potential
SBA 504 loans allow you to expand into new markets or increase your production capabilities. By financing the purchase of commercial real estate, you can establish a physical presence that aligns with your long-term business goals. Furthermore, investing in state-of-the-art equipment enhances productivity and maintains a competitive edge. Whether constructing a new facility or upgrading existing infrastructure, SBA 504 loans empower you to invest strategically in your business’s future.
Low-Risk, High Reward
Thanks to their long-term, fixed-rate nature, SBA 504 loans are perfect for businesses seeking steady growth without the volatility of fluctuating interest rates. Fixed interest rates ensure predictable monthly payments, enabling you to plan your finances confidently. This stability is precious in industries where market conditions can change rapidly. By securing an SBA 504 loan, you gain a reliable financial partner that supports your growth ambitions without the financial risks associated with variable-rate loans.
How We Help You Secure an SBA 504 Loan
At Cornerstone Capital Advisors, we understand that navigating the SBA 504 loan process can be complex. That’s why we’re here to guide you every step of the way. Our experienced team will work closely with you to ensure a smooth and efficient application process. Here’s how we help:

Consultation
The first step to securing an SBA 504 loan is an initial consultation. During this meeting, we assess your business’s unique needs and goals. Our experts will evaluate your current financial position and determine how an SBA 504 loan can best support your growth strategy. This personalized approach ensures we tailor our services to meet your requirements.
Eligibility Review
Our expertise in SBA 504 loans allows us to conduct a comprehensive eligibility review. We will carefully analyze your business’s financials to determine if you meet the necessary criteria. Key factors include your business’s creditworthiness, tangible net worth, and ability to repay the loan. Cornerstone Capital Advisors ensure you are well-positioned for approval by conducting a thorough assessment.
Find Out If Your Business Qualifies
Fast-Track to Approval
Our experience working with the SBA enables us to fast-track your application process, reducing the time and effort required to secure approval. We leverage our industry relationships and knowledge of SBA regulations to streamline the application process, ensuring you receive your funds promptly. We aim to remove any hurdles that may arise, allowing you to focus on growing your business.
Eligibility Criteria
Your business must meet specific eligibility criteria to qualify for an SBA 504 loan with Cornerstone Capital Advisors. Understanding these requirements is crucial to ensuring a successful application. Here’s a breakdown of what makes a business eligible:
- Established Business: A minimum of two years in operation demonstrates stability and a proven track record.
- Tangible Net Worth: Businesses must have no more than $15 million net worth.
- Average Net Income: Your net income after taxes should not exceed $5 million for the past two years.
- Use of Funds: Funds must be used for eligible purposes, such as purchasing property, equipment, or renovations.
- Job Creation: Your project should create or retain jobs, contributing to economic development.
Meeting these criteria positions your business for success in obtaining an SBA 504 loan. If your business meets these qualifications, start your application with us and expand your business today!
Fast Facts: SBA 504 Loans
Eligible Business Size
- Business net worth not to exceed $15 million
- Average net profit after taxes for two consecutive years not to exceed $5 million
Loan Structure
- 50% bank loan
- 40% CDC loan
- 10% borrower down payment
Proceeds Use
- Purchase existing building
- Land acquisition and ground-up construction (can include soft costs)
- Expansion of existing building
- Finance building improvements
- Purchase equipment
Program Requirements
- 51% owner occupancy for existing buildings
- 60% owner occupancy for new construction
- Equipment must have a minimum 10-year economic life
Collateral
- Project assets being financed are typically used as collateral
- Personal guarantees are required from owners with 20% or more ownership
Fees
- Fees are financed in the 504 loan
- Fees for the 50% bank loan are negotiated
- CDC servicing fee (lowest allowed by SBA) plus legal review fee

Frequently Asked Questions (FAQ)
What is an SBA 504 loan?
An SBA 504 loan program is designed to help small businesses grow by providing long-term, fixed-rate loans for significant assets like real estate, equipment, or renovations. The U.S. Small Business Administration will purchase or renovate the loan with lower interest rates.
Who qualifies for an SBA 504 loan?
To qualify for an SBA 504 loan, your business must be for-profit, operate for at least two years, and have a net worth of less than $15 million. Your average net income must also be less than $5 million over the past two years.
What can I use an SBA 504 loan for?
SBA 504 loans can be used to purchase commercial real estate, renovate or construct new facilities, buy long-term equipment or machinery, and refinance debt associated with expansion. The loan cannot be used for working capital, inventory, or refinancing existing debt unrelated to expansion.
How much can I borrow with an SBA 504 loan?
With an SBA 504 loan, you can borrow up to $5.5 million for individual projects. For specific green energy or manufacturing projects, loan amounts may be higher.
What are the interest rates for SBA 504 loans?
SBA 504 loans typically offer competitive, below-market interest rates fixed for the life of the loan. The interest rate is based on U.S. Treasury bonds, making it predictable and more affordable for long-term investments.
How long is the repayment term for an SBA 504 loan?
Repayment terms for SBA 504 loans range from 10 to 25 years, depending on the loan’s purpose. Real estate purchases typically have 25-year terms, while equipment loans have 10—or 20-year terms.
How does the SBA 504 loan process work?
The SBA 504 loan process starts with a consultation to determine your eligibility. We then guide you through the application process, working with Certified Development Companies (CDCs) and lenders to secure financing. Once approved, the SBA guarantees part of the loan, making it easier for you to secure the remaining funds.
How long does it take to get approved for an SBA 504 loan?
The timeline for approval can vary but generally takes 60 to 90 days. The process includes application submission, underwriting, and final approval from the lender and the SBA. Our team works to ensure your application moves smoothly and quickly.
Can I refinance my existing debt with an SBA 504 loan?
Yes, but only debt related to business expansion or commercial real estate can be refinanced under the SBA 504 loan program. Other types of existing debt, like working capital loans, are not eligible for refinancing through this program.
What are the upfront costs and fees for an SBA 504 loan?
Some fees are associated with SBA 504 loans, including loan packaging fees, appraisal fees, and legal fees. These costs are typically rolled into the loan, minimizing your business’s out-of-pocket expenses.
What makes an SBA 504 loan better than a traditional loan?
SBA 504 loans offer several advantages over traditional loans, including lower down payments (as low as 10%), fixed interest rates, and longer repayment terms. These features make them ideal for long-term investments, reducing financial strain on your business.
How do I get started with an SBA 504 loan?
Getting started is easy! Contact our team for a free consultation, and we’ll guide you through the entire process—from determining eligibility to securing your loan. Ready to grow? Start your application today!
Take Control of Your Business’s Growth Path Today
An SBA 504 loan from Cornerstone Capital Advisors can provide the resources you need to expand, upgrade, and invest in your company’s future without overextending your budget. Our experienced team is here to guide you through every step of the process, from determining eligibility to securing the best possible terms.
Speak with one of our SBA 504 Loan experts at 954-434-1296 and get pre-qualified today!
A Short List Of Possible Businesses Includes:

Office

Retail Spaces

Mixed-Use & Multi-Tenant Centers

Storage Facilities

Hospitality Businesses

Among Many Others!
Contact Cornerstone Capital Advisors To Discuss Our Income Producing Property Loan Financing Solutions.
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5599 South University Dr., Suite 205 Davie, FL 33328