We specialize in providing long term permanent financing to small businesses. Our loans, including the 504 Loan Program, are made through the Small Business Administration (SBA) guaranteed loan programs.

Use of Proceeds

Real estate acquisition or construction – up to 90% financing available

Equipment Acquisition – up to 80% financing available

Loan Structures

Financing available on projects up to $12,000,000.

1 ) Prime Commercial Lending typically provides a first mortgage of up to 50% of the total loan to value. This loan can range from $100,000 to $3,000,000.

2) The SBA, through a Community Development Company (CDC) provides up to

40% loan to value in a second lien position. This loan can range from $100,000 to


Terms and Interest Rates

First Mortgage – up to 25-year term for real estate loan and up to 15-year term for equipment purchase with fixed and variable interest rates available.

Second Mortgage – up to 20-year term for real estate and up to 15-year term for equipment purchase. Fixed rate is determined at SBA guaranteed 504 debenture sale.


First Mortgage – fees are always market competitive.

Second Mortgage – 2.75% + legal review fee. This fee is financed in the loan.

Fees also include customary closing costs, construction loan fees (if applicable), and bridge fees.

Eligible Properties

Almost any type of for-profit business is eligible for financing. Commercial real estate must be partially occupied by the borrower.

Here are some other SBA Programs

More Information about SBA Lending

 Feel free to reach out to one of our friendly loan officer to talk about your small business financing needs at 866-611-7457 Ext.1 or apply online and click here; before we run credit, you will call you to talk about your need first to come out with the best solution.