SBA 504 Loan Program at APC Lending

SBA 504 Loans are Perfect for: Commercial real estate, owner-occupied properties, and major equipment. 

Key Benefits:

• Only 10% down payment required
• Fixed rates for 10-25 years
• Up to $5 million in financing
• No balloon payments

For many small businesses, growth depends on access to the right financing. Among all SBA loan options, the SBA 504 Loan Program stands out as a powerful tool for entrepreneurs ready to invest in their future. At APC Lending, we specialize in helping business owners understand this program, navigate the process, and secure funding that creates long-term stability.

What Is the SBA 504 Loan Program?

The SBA 504 Loan Program is designed to provide long-term, fixed-rate financing for major fixed assets. Unlike short-term or working capital loans, the 504 loan focuses on investments that will help your business grow sustainably—such as purchasing real estate, building facilities, or upgrading equipment.

Because the U.S. Small Business Administration guarantees a portion of the loan, lenders are able to offer lower down payments, longer terms, and competitive interest rates. For many entrepreneurs, this program makes expansion possible when traditional financing options may be out of reach.

How the SBA 504 Loan Program Works

The SBA 504 Loan Program has a unique structure. Typically, the financing is divided into three parts:

• 50% provided by a private lender such as APC Lending

• 40% provided by a Certified Development Company (CDC) backed by the SBA

• 10% contributed by the borrower

This shared responsibility lowers risk for lenders while giving business owners access to significant capital. The result is a financing solution that empowers businesses to own their assets and secure long-term stability.

Benefits of the SBA 504 Loan Program

Business owners choose the 504 program because of the many advantages it offers:

• Low down payments – as little as 10% in most cases

• Fixed, long-term interest rates that create predictable payments

• Long repayment terms—up to 25 years for real estate

• Support for major investments like facilities, land, or heavy equipment

• Opportunity for ownership rather than ongoing rental expenses

These benefits make the SBA 504 Loan Program a popular choice for entrepreneurs looking to build equity in their business rather than relying solely on leased space or outdated equipment.

SBA 504 Loan Program vs. Other SBA Loans

While the SBA offers several lending options, the 504 program is distinct. The SBA 7(a) Loan is flexible and can be used for working capital, acquisitions, or smaller investments. The SBA Express Loan is geared toward faster approvals for smaller amounts of capital.

The SBA 504 Loan Program, however, is the best fit for long-term, asset-focused investments. It is not meant for day-to-day operating costs but rather for projects that will support growth and expansion for years to come.

Why Choose APC Lending for the SBA 504 Loan Program?

At APC Lending, we know that securing an SBA 504 loan can feel complex. Our role is to simplify the process, explain each step clearly, and ensure your application meets SBA requirements. We work closely with both the CDC and the SBA to streamline approvals and maximize your chance of success.

Beyond paperwork, we take the time to understand your goals. Are you ready to purchase your first commercial property? Do you need updated equipment to scale production? Whatever your vision, our team will help you determine if the SBA 504 Loan Program is the right fit.

Take the Next Step with APC Lending

The SBA 504 Loan Program has helped countless small businesses expand, modernize, and secure a stronger future. If you’re ready to explore how this program can support your growth, APC Lending is here to guide you.

Contact APC Lending today to learn more about the SBA 504 Loan Program and take the first step toward building long-term success for your business.

Ready to Begin the SBA Loan Process?

Get started on your SBA 504 loan today and take the next step toward business growth.

Call Us at 1-855-504-LOAN

Contact APC Lending today to learn more about the SBA 504 Loan Program and take the first step toward building long-term success for your business.