504 Loan
Current Rates
March 2026
5.72%
25 YEAR
Purchase/Construction
(note rate – 4.64%)
5.72%
25 YEAR
Refinance
(note rate – 4.64%)
5.78%
20 YEAR
Purchase/Construction
(note rate – 4.66%)
5.79%
20 YEAR
Refinance
(note rate – 4.66%)
5.48%
25 YEAR
Purchase/Manufacturing
(note rate - 4.64%)
5.48%
25 YEAR
Refinance/Manufacturing
(note rate - 4.64%)
Statewide CDC: Your SBA 504 Loan Experts
Calculate Your Payments With Our Easy Loan Calculator
Payment Annual
Payment
Save your results for easy reference.
Terms & Conditons
Rates
- Bank Rates: Vary depending on the lender’s policy.
- SBA 504 Rates: Fixed monthly and determined at the time of debenture sale. Check the current rate above.
Fees
- Bank Fees: Determined by lender policy.
- SBA Fees: 2.65% of the SBA loan amount plus legal fees, financed and included in the loan.
- Related Costs: Appraisals, environmental reports, and escrow costs may be financed.
- Legal Fees: Vary by location and loan size.
What is an SBA 504 Loan?
A Small Business Administration, SBA 504 loan is a government-backed financing option designed for small businesses to purchase, renovate, or refinance commercial real estate and heavy equipment. These loans provide business owners with affordable, long-term financing solutions.
SBA 504 Loan Program at a Glance
- Must be a for-profit business
- Must occupy at least 51% of the purchased property
- Must qualify as a small business based on SBA’s size criteria
Low Down Payments
Preserve capital with as low as a 10% down payment.
Below-market, Long-term Fixed Rates
Fully amortized with no additional collateral required.
Long Repayment Terms
Up to 25 years for real estate and 10 years for heavy equipment.
Business Advantages
Long Repayment Terms
Reduced Financial Risk
Comprehensive Solutions
Find a Loan Expert
Carlo Samson
| Cell: | 714.345.1359 |
| Fax: | 714.462.4762 |
Marat Manucharyan
SVP, Business Development Officer
| Cell: | 213.713.9877 |
Spiros Karatzis
SVP, Business Development Officer
| Cell: | 562.537.8326 |
Jeremy Mehler
| Cell: | 619.806.1125 |
Alonso Delgado
| Cell: | 626.456.4306 |
Summer Jeffus
| Cell: | 707.508.5509 |
Al Thiel
| Cell: | 916.600.2201 |
| Fax: | 916.848.3393 |
Brian Wallace
| Cell: | 775.745.9732 |
| Fax: | 775.204.9357 |
Andrew Swann
| Cell: | 702.613.5891 |
Jason Schaut
| Cell: | 253.350.8530 |
| Fax: | 480.393.7346 |
Why Partner with Statewide CDC?
Expertise
Streamlined Process
Fast prequalification and tailored support.
Personalized Guidance
About Statewide CDC
Statewide CDC has been a trusted partner in the SBA 504 loan process for over 35 years, offering expertise and efficiency that set us apart. We have built a national reputation for helping clients navigate the complexities of SBA financing and move transactions forward quickly.
As a Premier Certified Lender, we bring unmatched expertise and industry knowledge to every partnership. We put our SBA knowledge to work, which is why lenders, brokers, and borrowers choose to work with us. We are committed to providing efficient, responsive, personalized service so you can focus on what matters most – your business.
Frequently Asked Questions
The calculator estimates your monthly payment, down payment requirement, and loan breakdown for a potential SBA 504 loan based on your total project cost and terms.
The calculator provides a close estimate based on typical SBA 504 structures, but actual loan terms may vary based on your lender, credit, project type, and current SBA rates.
You’ll need to know your total estimated project cost and preferred repayment term (10, 20, or 25 years). The calculator will show your estimated down payment, monthly payment, and funding structure.
No. Using the loan calculator is for informational purposes only and does not impact your credit score or initiate a loan application.
Yes. Once you see your estimate, you can click through to contact Statewide CDC and begin the formal loan inquiry process.
Let us help you grow your small business.
A nationally recognized non-profit lender committed to small business
