SBA 504 Commercial Real Estate Loan Archive
What is an SBA 504 Loan?
An SBA 504 loan is a long-term, fixed-rate financing structure backed by the U.S. Small Business Administration (SBA) 504 loan program designed for small-to-medium businesses acquiring owner-occupied commercial real estate or major fixed assets. SBA 504 loans typically feature low down payment options starting at 10% down, fully amortizing terms up to 25 years, and competitive fixed rates that help business owners replace rent with equity.
Learn how to secure fast flexible commercial loans and implement strategic mortgage solutions for property acquisition, debt refinancing, and business expansion. If you are unsure whether your business is ready for a commercial mortgage, browse our curated articles below.
SBA Financing for Commercial Real Estate | Thorne CRE
Explore SBA 7(a) and SBA 504 financing solutions for owner-occupied commercial real estate with down payments as low as 10% and 25-year terms.
SBA Lenders & CRE Financing Guide | Thorne CRE
Explore expert insights on SBA lenders, SBA 504 loans, and commercial real estate financing. Learn key eligibility criteria and down payment terms.
Self-Storage Financing Solutions | Thorne CRE
Explore commercial self-storage financing options, SBA loans, DSCR debt structure, and capital solutions for income-producing storage facilities.
Reliable Commercial Loans: SBA 504 & 7(a) Guide
Explore reliable business property financing options. Learn how SBA 504 and 7(a) loans provide up to 90% LTV with flexible 25-year repayment terms.
SBA Rent Replacement & 504 Loan Guide | Thorne CRE
Explore SBA rent replacement guidelines under SOP 50 10. Learn how replacing rent with loan payments unlocks up to 90% LTV commercial financing.
SBA CRE Debt Refinancing: 504 & 7(a) Loan Guide
Refinance commercial real estate with SBA 504 and 7(a) loans. Secure 25-year fully amortizing rates, up to 90% LTV, and eliminate balloon mortgage risks.
Healthcare Commercial Real Estate Financing | Thorne CRE
Explore healthcare commercial real estate financing options. Learn about SBA 504 loans with 10% down, fixed rates, and flexible terms for medical offices.
CRE Loan Down Payment Guide & SBA Financing | Thorne CRE
Explore commercial real estate down payment requirements, low down payment options, and SBA loans with expert guidance from Thorne CRE.
Commercial Acquisition Financing & Guides | Thorne CRE
Explore commercial acquisition financing insights, structuring guides, and capital solutions including SBA, conventional, DSCR, and bridge loan programs.
Owner-Occupied Real Estate Financing | Thorne CRE
Explore owner-occupied real estate guides, SBA 504 and 7(a) loan rules, DSCR guidelines, and tailored commercial mortgage solutions for your business.
Frequently Asked Questions About SBA 504 Loans
What is the minimum down payment for an SBA 504 loan?
The standard minimum down payment for an SBA 504 loan on owner-occupied commercial property is 10%. Special-use properties or startup businesses may require 15% to 20% down.
What property types qualify for SBA 504 financing?
Eligible property types include owner-occupied commercial office buildings, industrial and warehouse facilities, retail storefronts, healthcare facilities, and self-storage properties, provided the business occupies at least 51% of an existing building or 60% of a new construction project.