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Get assistance for stated catastrophes

Businesses and individuals affected by current catastrophes in Texas might be qualified for SBA support.

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504 loans

Content

What is the 504 loan program?

The 504 loan program provides long-lasting, set rate financing for significant fixed possessions that promote business growth and task production.

504 loans are readily available through Certified Development Companies (CDCs), SBA's community-based not-for-profit partners who promote financial development within their neighborhoods. CDCs are accredited and regulated by SBA.

The optimum loan quantity for a 504 loan is $5.5 million.

Am I qualified?

To be qualified for a 504 loan, your business needs to:

- Operate as a for-profit business in the United States or its possessions.
Have a concrete net worth of less than $20 million.
Have a typical net earnings of less than $6.5 million after federal income taxes for the 2 years preceding your application

Other general eligibility standards consist of falling within SBA size standards, having qualified management expertise, a feasible service strategy, great character and the ability to pay back the loan.

Loans can not be made to services engaged in nonprofit, passive, or speculative activities. For extra info on eligibility requirements and loan application requirements, small businesses and lenders are motivated to get in touch with a Certified Development in their location.

How do I utilize a 504 loan?

A 504 loan can be used for a series of possessions that promote service development and task development. These consist of the purchase or building and construction of:

- Existing buildings or land.
New centers.
Long-term machinery and devices with a helpful staying life of a minimum of 10 years, including project-related AI-supported devices or machinery for production products.
Consolidating debt under the conditions noted in 13 CFR 120.882, paragraph (e) and.
Repaying or re-financing financial obligation defined as "competent financial obligation" under 13 CFR 120.882, paragraph (g)

Or the improvement or modernization of:

- Land, streets, energies, parking lots and landscaping.
Existing facilities

A 504 loan can not be used for:

- Working capital or inventory.
Consolidating, repaying or refinancing financial obligation that does not fulfill the meaning of "competent debt" under 13 CFR 120.882, paragraphs (e) and (g).
Speculation or investment in rental property. The funding of AI-related working capital, intellectual residential or commercial property, or seeking advice from services soft costs

What do I require to use?

504 loans are readily available exclusively through Certified Development Companies (CDCs). Find a CDC in your location to guarantee you are dealing with a certified lender. CDCs are distinctively certified to comprehend 504 loan program policies, and will help you navigate the lending institution channels to create your project funding.

Find a CDC near you

Find Certified Development Companies (CDCs) licensed to issue 504 loans.

How do I repay my 504 loan?

Active 504 loans

Loan repayment terms vary according to a number of elements. Borrowers with active 504 loans can pay through the Central Servicing Agent, normally by ACH regular monthly draws. Payments can also be made by wire or check.