SBA 504, 504 SBA loans, Loan Options

SBA 504

If you want to take a major step forward with your business, SBA 504 loans can help. You get very competitive rates, including long term fixed rate on the SBA portion, a long term for payment and a simple application process.* It’s easy to apply for SBA financing at SunTrust, where SBA loan experts can guide you through the process. You can get a SBA 504 loan for projects such as:

  • Buying owner-occupied commercial real estate
  • Construction of a new facility
  • Renovation of an existing facility

To talk with a specialist about SBA 504 loans call 877.370.5108.

Enjoy extended terms

With a SBA 504 loan, you get:

  • Loans appropriate for buying owner-occupied commercial real estate, construction of a new facility or renovation of an existing facility
  • Financing up to $5 million Terms up to 20 years

Fulfill your long-term goals

With a SBA 504 loan, you can:

  • Secure your financing needs for long-term goals
  • Get a loan that require less equity relative to conventional business loans
  • Lock in low rates for the long haul with fixed-rate financing
SBA 504 Loans
What You Get
Maximum Loan Amount

Projects considered up to and potentially exceeding $10 million

Maximum Amortization

Up to 25 years

Maximum Interest Rate

Bank portion is subject to SunTrust pricing. SBA 2nd lien portion is determined at the time of the debenture sale.

Owner Equity/Liquidity

Minimum of 10%

Collateral

Generally the assets being financed are used as collateral. Personal assets may be required if the assets being financed do not adequately secure the loan.

Disclaimers

Businesses up to $15mm in net worth and $5million in net income are eligible.

Any and all owners who own 20% or more of the business, are required to unconditionally guarantee. However, anyone with a controlling interest or key role in the business may be required to guarantee.

Start up businesses requires an additional 5% equity injection. Special-purpose real estate requires an additional 5% equity injection. If both apply, these injections would be cumulative resulting in 10% additional equity.

* Credit subject to normal criteria.

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