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What is an SBA 504 loan?

Quick Answer

The SBA 504 loan finances owner-occupied commercial real estate and major equipment up to $5M ($5.5M for manufacturing) at long-term fixed rates. Structure: 50% bank loan, 40% SBA debenture via a CDC, 10% owner down payment.

SBA 504 loan capital stack of 50% bank, 40% CDC, 10% owner.
Warren Team
Updated April 26, 2026
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Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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