SBA 504 Loans for Real Estate & Equipment
Own your building. Grow your business.
The SBA 504 program finances owner-occupied real estate and long-life equipment with a bank first mortgage, an SBA-backed second loan through a Certified Development Company, and a down payment that starts around 10%, higher (15–20%) for businesses under two years old or special-purpose property.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Who it fits and how it works
SBA 504 loans fit businesses buying, building, or renovating property they will occupy (generally at least 51% of an existing building) or buying major long-life equipment. A bank holds the first mortgage, a Certified Development Company provides an SBA-backed second loan, and you bring the down payment: around 10%, or 15–20% for businesses under two years old or special-purpose property. Because two lenders are involved, plan on a longer timeline. We place your file with SBA lenders.
Why SBA 504
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Businesses, including newer ones with a larger down payment, that will occupy the property they buy (generally at least 51% of an existing building) or that are buying major long-life equipment.
We arrange financing for businesses nationwide, except in California.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Structure | Bank first lien, SBA/CDC second lien, and your down payment (starts around 10%; 15–20% for businesses under two years old or special-purpose property) |
|---|---|
| SBA portion | Program cap of $5.5 million |
| Typical terms | 10, 20, or 25 years |
| Occupancy | Owner-occupied — generally 51%+ of an existing building |
| Credit | Solid owner credit and cash flow that covers the payment |
| Paperwork | Tax returns, financials, purchase contract, project costs |
| How fast | Usually 60–90+ days because of the two-lender structure. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for sba 504 loan — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 033 months of business bank statementsbank
- 04SBA Form 1919 (Borrower Information)sba
- 05SBA Form 413 (Personal Financial Statement)sba
- 062 years business tax returnstax
- 072 years personal tax returns (each 20%+ owner)tax
- 08Year-to-date P&L and balance sheetfinancials
- 09Business debt schedulefinancials
- 10Use of proceeds breakdownapplication
- 11Real-estate purchase agreement & project costsproperty
Industries we often advise on for SBA 504 Loan
Where sba 504 loan is one of the best-fit options for how the business earns.
Compare related options
Not sure this is the one? These are the structures owners most often weigh against it.
More on SBA 504 Loan
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