SBA 504 Loans
Our Resources. Your Capital.
SBA 504 Loans for Owner-Occupied Real Estate
SBA 504 loans are designed for business owners who want to buy or build their own commercial property with low down payments and long-term fixed-rate financing.
This program is ideal for owner-users looking to control occupancy costs, build equity, and lock in predictable payments for the long term.
Serving California business owners with SBA 504 financing available nationwide.
Why Business Owners Choose SBA 504
• Down payments as low as 10% for owner-users
• Long-term fixed-rate financing on the SBA portion
• Terms up to 25 years on real estate
• Designed specifically for owner-occupied properties
• Predictable payments and long-term stability
If your business occupies at least 51% of the property, SBA 504 may be the most efficient way to buy your building.
How SBA 504 Loans Are Structured
SBA 504 financing uses a unique structure that combines multiple sources to minimize your cash out of pocket while maximizing long-term stability.
• 50% First Mortgage from a bank or lender
• 40% SBA/CDC second mortgage with a fixed rate
• 10% Borrower down payment (15%–20% in some cases)
This structure is what allows SBA 504 loans to offer both low down payments and fixed-rate certainty.
What Can an SBA 504 Loan Be Used For?
• Purchasing owner-occupied commercial real estate
• Constructing new commercial buildings
• Major renovations or expansions
• Purchasing heavy equipment tied to the property
Who Typically Qualifies for SBA 504?
SBA 504 loans are commonly used by established business owners who want to transition from leasing to owning their building.
• Operating businesses with solid cash flow
• Owner-users occupying at least 51% of the property
• Borrowers looking for long-term payment stability
• Business owners planning to stay in the property long term
Why Work With Synergy Capital Funding?
• SBA 7(a) and 504 specialization
• Deep experience with owner-user transactions
• Clear guidance on structure, costs, and timelines
• California-based with nationwide SBA capabilities
We don’t just submit loans — we help business owners decide if SBA 504 is the right long-term move.
Get Instant SBA 504 Answers
If you’re considering buying or building your own commercial property and want quick clarity on SBA 504 options, use the chat or text us now.
No application required. Real answers, fast.
Synergy Capital Funding is not a direct lender. Financing is subject to lender approval and SBA guidelines.