What are 504 Loans?

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The SBA 504 loan: Financing the purchase, construction and renovation of owner-occupied commercial real estate and equipment.

The U.S. Small Business Administration (SBA) 504 loan program is a powerful financing tool for small businesses. SBA 504 loans offer low down payments and low, long-term, fixed interest rates to help your business grow.

The SBA 504 loan gives you the financing you need to build your business and plan for the future, all while retaining working capital for today.


Advantages of an SBA 504 loan

  • Low down payment (typically 10%) helps you conserve working capital.
  • Fixed interest rate eliminates interest rate risk and lets you plan for future cash flow demands.
  • Long-term financing (10, 20, or 25-year terms) results in lower monthly payments.
  • Below-market interest rate gives you the freedom to put your money to its best use.


Why choose Self-Help?

Our team is experienced, knowledgeable and dedicated to working with you every step of the way. From application to closing and servicing your loan, we’ll help you navigate the process smoothly.

With more than 25 years of experience as a 504 lender, we know how to help small businesses grow. Self-Help has helped provide over $800 million in financing for over 700 small businesses across North Carolina.

Let us put our expertise to work for you — so that you can work on building your business.

Contact us today to get started.