SBA 504
Long-term fixed-rate financing for owner-occupied real estate.
A two-loan structure pairing a conventional first mortgage with a CDC debenture, delivering long-term fixed pricing on owner-occupied commercial real estate and major fixed assets, with a lower down payment than conventional CRE debt.
Stop guessing. See how the market prices your deal today.
Pick the program, configure your deal and read the live capital response, rate, fees, amortization, lender appetite, and Deal Strength Score™.
Government-backed CRE for owner-occupants and businesses.
Public estimate based on live API spreads + lender matrix. Final pricing subject to formal underwriting.
The last 30 days, watched for you.
The benchmarks that move your pricing, tracked daily, the same feed our app and underwriting desk read.
Source: Federal Reserve (FRED), refreshed daily. Estimates only, not a commitment to lend.
How it works
Confirm the structure
Enter project cost and business cash flow to see the estimated blended rate, the first-mortgage and debenture split, and required injection.
Assemble the package
The AI organizes business financials, use of proceeds and occupancy evidence into a package a CDC and a first-mortgage lender can both underwrite.
Dual approval and close
The first mortgage and the debenture move in parallel rather than in sequence, which is where most of the conventional timeline is lost.
What you'll need to get funded.
The AI requests these one at a time inside the app, upload from your phone and it classifies and reviews each file for you.
- ✓Business tax returns, most recent 2 years
- ✓Business bank statements, last 6 months
- ✓Year-to-date P&L and balance sheet
- ✓Business debt schedule, if applicable
- ✓Owner personal financial statement
- ✓Purchase contract or construction budget
- ✓Evidence of owner-occupancy (51%+ existing, 60%+ new construction)
- ✓Project cost breakdown and injection source
Run your SBA 504 deal, then get qualified.
No credit pull to see your numbers. Create an account to turn the estimate into a lender-ready file.