SBA 504 Loan Structure

504 loans for existing businesses are typically financed 50% by the participating commercial lender, 40% by the CDC, and 10% by the business borrower. For example, a $2,200,000 real estate project for an existing business might be structured as follows.

  Commercial Lender Wyoming Capital Access Business Borrower
Loan Amount  $1,100,000 $880,000  $220,000
Percent of Project  50%  40%  10%*
Term  Min 10 Years  20 Years  Equity
Interest Rate  Market Rate  Fixed Rate   
Collateral  1st Mortgage  2nd Mortgage   

*Start-up business OR a Special Purpose building requires 15% borrower equity
*Start-up business AND a Special Purpose building requires 20% borrower equity

An SBA 504 Loan is a powerful business financing tool that enables successful businesses to grow:

  • 90% financing preserves working capital for business expansion
  • The borrower chooses the 1st Mortgage lender based on their terms and interest rates
  • SBA loan fees are included in the 504 loan to reduce up-front cash outlay
  • Fixed interest rate on the SBA loan (10 or 20 years) for life of the loan

Contact us to schedule a free Lender Training seminar for your Commercial Lending Department. We will discuss the SBA 504 Loan Program, recent program changes, and the advantages to lenders and their small business customers.


Wyoming Capital Access
725 E 2nd Street, Suite 100
Casper, WY 82601

FAX: 307-234-0101



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