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SBA 504 Loan Program
 Certified Development Company (504) Loan Program

The 504 Program provides growing businesses with Long-Term, Fixed-Rate Financing for Major Fixed Assets.

Maximum Debenture

The maximum SBA debenture is $1,500,000 when meeting the job creation criteria or a community development goal. Generally, a business must create or retain one job for every $50,000 provided by the SBA except for "Small Manufacturers" which have a $100,000 job creation or retention goal.

A) The maximum SBA debenture is $2.0 million when meeting a public policy goal. The public policy goals are as follows:

• Business district revitalization
• Expansion of exports
• Expansion of minority business development
• Rural development
• Increasing productivity and competitiveness
• Restructuring because of federally mandated standards or policies
• Changes necessitated by federal budget cutbacks
• Expansion of small business concerns owned and controlled by veterans (especially service-disabled veterans)
• Expansion of small business concerns owned and controlled by women

B) The maximum debenture for "Small Manufacturers" is $4.0 million. A Small Manufacturer is defined as a small business concern that has:

Its primary business classified in sector 31, 32, or 33 of the North American Industrial Classification System (NAICS); and have all of its production facilities located in the United States.

In order to qualify for a $4 million 504 loan, the Small Manufacturer must:

• Meet the definition of a Small Manufacturer described above, and either:
• Create or retain at least 1 job per $100,000 guaranteed by the SBA [Section 501(d)(1) of the Small Business Investment Act (SBI Act)], or
• Improve the economy of the locality or achieve one or more public policy goals [sections 501(d) (2) or (3) of the SBI Act].


Proceeds from 504 loans must be used for fixed asset projects such as: purchasing land and improvements, including existing buildings, grading, street improvements, utilities, parking lots and landscaping; construction of new facilities, or modernizing, renovating or converting existing facilities; or purchasing long-term machinery and equipment. The 504 Program cannot be used for working capital or inventory, consolidating or repaying debt, or refinancing.


Interest rates on 504 loans are pegged to an increment above the current market rate for five-year and 10-year U.S. Treasury issues. Maturities of 10 and 20 years are available. Fees totaling approximately three (3) percent of the debenture and may be financed with the loan.

COLLATERAL: - Generally, the project assets being financed are used as collateral. Personal guaranties of the principal owners are also required.


To be eligible, the business must be operated for profit and fall within the size standards set by the SBA. Under the 504 Program, the business qualifies as small if it does not have a tangible net worth in excess of $7 million and does not have an average net income in excess of $2.5 million after taxes for the preceding two years. Loans cannot be made to businesses engaged in speculation or investment in rental real estate.

Contact BRT Financial The SBA Loan Packaging Professionals about the SBA Loan Programs and other Services.

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