SBA 504 Loans
- Long Term Funding for Major Purchases
- Buy Commercial Property
- Refinance Commercial Debts
- Greater Credit Lines - Less Down Payment
Key Highlights
Low - Cost
Long - Term Capital
Increased
Capital
Borrow up to
$5 Million
Government
Backed
Competitive
interest rates
Extended
Repayment
Terms up to
25 years
Build bigger
& better with
SBA - backed funding
SBA 504 loans are long-term, fixed-rate loans backed by the government and designed for major business investments. With repayment terms up to 25 years and low interest rates, 504 loans allow you to preserve liquidity while making substantial upgrades to your business.
If you’re planning a major fixed asset purchase or expansion—and don’t need capital immediately—this is a great option.
If you need faster access to funds, TRAM Funding has a wide variety of cash flow-based financing options that can support your goals.
Why get it?
Strategic Capital for
Big Business moves
Business leaders
think in decades,
not quarters.
SBA 504 loans
are built for that mindset.
High funding power
Access up to $5.5M
for commercial property,
large equipment, or
ground-up construction.
Extended Terms
Repay over 10–25
years with structured
payments that support
cash flow and growth.
Fixed interest Rates
Lock in consistent
monthly payments with
long-term stability,
no surprises.
Purpose-driven capital
Built for investments
that elevate infrastructure
and operational capacity.
How does it compare?
SBA 504 loans vs other options
| SBA 504 vs SBA 7(a) | SBA 504 vs Cash Flow Financing | SBA 504 vs Term Loans |
|---|---|---|
|
504 loans are for fixed assets only;
7(a) loans offer more general-purpose
flexibility |
Cash flow financing is faster and flexible, but shorter term and higher cost |
Both provide lump-sum capital |
|
504 offers fixed rates; 7(a) often comes with variable rates |
SBA 504 offers low rates and long terms, but requires more documentation and time |
SBA 504 delivers lower rates, longer repayment, and higher funding potential |
Why TRAM Funding?
We help you cut
through the red tape
Start today and get
one step closer to
long-term growth.
We combine deep SBA
expertise with
personalized support,
so you get approved
faster, with fewer roadblocks.
- Access to top SBA lenders
- Dedicated SBA loan advisors
- Streamlined application support
-
Competitive rates, clear guidance,
and fast follow-through
What Do I Need?
Required Documents
The SBA requires
detailed paperwork
to process 504
loan applications.
You’ll need:
- SBA form 1919 (Borrower info)
- SBA form 413 (Personal financial statement)
- Business debt schedule
- Articles of incorporation or organization
- Loan application history (if applicable)
- Business plan (including financial projections)
- Collateral documentation (if offering collateral)
- Business financial statements
- 3 years of business and personal tax returns
- Business certificate or license
- Ownership and affiliations list
- Resumes for each principal
- Lease agreement (if applicable)
FAQs
What’s an SBA 504 loan best used for?
Fixed asset purchases like commercial real estate, heavy machinery, or major facility upgrades.
Can I use a 504 loan to buy a building?
Yes, as long as you’ll occupy at least 51% of the space for your business.
What’s the maximum SBA 504 loan amount?
Up to $5.5M per project through the SBA. You can also seek additional capital through third-party lenders if needed.
How long does the SBA 504 process take?
Expect 60 to 90+ days, though National Business Capital can often move faster with prepared applicants.
Is a down payment required?
Yes. Typically, you will need to provide 10% of the project cost as a down payment, though some projects may require more based on risk profile.