25-Year Fixed Rate Standard:

25-Year Fixed Rate Refinance:


20-Year Fixed Rate Refinance:

Estimated 10-Year Fixed Rate Standard:

Estimated 10-Year Fixed Rate Refinance:

Official monthly SBA 504 effective interest rate tables can be found at 鹰 合规管理有限责任公司. 25- and 20-year term loans fund every month; 10-year term loans fund every other month. Effective interest rates are inclusive of servicing fees, which are subject to credit risk of the applicant.

Servicing the States of Alabama, 佛罗里达, and Georgia.

sba504概述 & 资格

商业地产 十大正规赌平台平台. 机械 & 设备十大正规赌平台平台. 绿色十大正规赌平台平台. 债务再融资. Up to 90% fixed interest rate financing.

The Small Business Administration (SBA) 504 十大正规赌平台平台 available through 佛罗里达 First Capital/First Capital Finance provides affordable long-term capital for the purchase of capital assets, such as owner-occupied 商业地产,节能 绿色项目 和/或重型 机械设备, without the high down payment requirements often associated with conventional financing programs. Borrowers can also get relief from high-interest commercial mortgage debt under the SBA’s 504 债务再融资计划.

十大正规赌平台平台结构 & 首付款时间表

The 504 十大正规赌平台平台 is a 伙伴关系 program between 佛罗里达 First Capital/First Capital Finance – a nonprofit SBA licensed and regulated Certified Development Company – and 商业十大正规赌平台平台人. Working with participating lenders, 佛罗里达 First Capital/First Capital Finance provides up to 90% financing at below-market, fixed interest rates and long amortization terms for eligible fixed asset purchases.

通常, 商业十大正规赌平台平台人 provides financing for 50% of the 504 loan project and takes a first lien position; 佛罗里达 First Capital/First Capital Finance/SBA provides 40% of the project financing and takes a second lien position; and the borrower provides a down payment of just 10%. There is no limit on overall project size. If a project is a start-up business (less than two years in operation) or a special purpose facility, the borrower’s down payment increases to 15%.

If a project is a special purpose facility and a start-up business, the borrower’s down payment increases to 20%. 机械 and 设备 only loans may qualify with a 10% or 15% 借款人首付款.


  • The business must fall within the size standards set by the SBA.
  • 业主必须是.S. citizens or registered aliens with green card.
  • The business must be operated for profit and located in or planning to locate in Alabama, 佛罗里达州或佐治亚州.
  • The business must be a legal entity: corporation, 伙伴关系, sole proprietor or limited liability company.
  • The business’s tangible net worth cannot exceed $15 million.
  • The business’s average net income after Federal income taxes (excluding carry-over losses) for the two full fiscal years prior to application cannot exceed $5 million.
  • 十大正规赌平台平台 cannot be made to businesses engaged in speculation or investment in rental real estate.

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