What is an SBA 504 Loan Program?

The SBA 504 Loan Program is a partnership program between a Certified Development Company (CDC) and a partner lender. Working in conjunction with qualified lenders, Across Nations Pioneers provides up to 90% financing for commercial property purchases, new construction, land purchases, machinery purchases, and relocation.

How is an ABA 504 Loan Structured?

Across Nations Pioneers provides up to 40% of the total project cost with an affordable, fully amortized loan. The participating lender normally finances 50% of the project cost. The borrower typically puts down as little as 10% of the total project cost.

SBA 504 Finance Structure

Source of Funds Loan Amount % Interest Rates Amortization Collateral
Partner Lender $1,000,000 50% Fixed or Variable 15 to 30 Years 1st Trust Deed
$800,000 40% Fixed 10 or 20 Years
fully amortized
2nd Trust Deed
Borrower $200,000 10%
Total Financing $2,000,000
*Start up or Special Purpose Building requires 15% equity injection
Start up and Special Purpose Building requires 20% equity injection