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You can use a 504 loan for a range of assets that promote business growth and job creation, including the purchase or construction of:
Or the improvement or modernization of:
A 504 loan cannot be used for:
The 7(a) Loan Program, SBA’s most common loan program, offers financial help for small businesses with special requirements. A good option when real estate is part of a business purchase, it can also be used for:
The maximum loan amount for a 7(a) loan is $5 million. Key eligibility factors are based on what the business does to receive its income, its credit history, and where the business operates. Your lender will help you figure out which type best suits your needs.
To be eligible for 7(a) loan assistance, businesses must:
Some businesses may not qualify for a 7(a) loan. Read more about terms, conditions and eligibility.
Basic uses for the 7(a) loan include:
Refinancing existing business debt, under certain conditions
The 504 Loan Program provides long-term, fixed-rate financing for major fixed assets that promote business growth and job creation. 504 loans are available through Certified Development Companies (CDCs), SBA's community-based partners who regulate nonprofits and promote economic development within their communities. CDCs are certified and regulated by SBA. The maximum loan amount is $5.5 million. For certain energy projects, the borrower can receive a 504 loan for up to $5.5 million per project, not to exceed three projects or $16.5 million total.