SBA 504 Loans
SBA 504 financing is commonly associated with eligible fixed-asset projects; exact structure and eligibility should be verified for the specific transaction.
Long-Lived Assets Deserve Long-Lived Capital.
SBA 504 financing supports eligible major fixed assets through Certified Development Companies and participating lenders. It is not a general working-capital facility.
Focus the project on eligible fixed assets.
Discuss business use, occupancy and the full financing structure with a CDC.
Bring the specifics.
- Fixed-asset project budget
- Business occupancy details and property or equipment documents
Keep an eye on
- Working capital and inventory are not general 504 uses.
- Verify the current program requirements and lender terms for the specific transaction.
Work through the assumptions.
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Capital is one part
of the plan.
A question worth asking.
Where does working capital fit in a 504 project?
Plan a separate permitted source. SBA 504 financing is not a general working-capital or inventory loan.
A specific need deserves a specific plan.
Start with your profile. Understand the tradeoffs. Prepare a clear request.