SBA 504
Programs to fit your needs and your limits.
Program Overview
The SBA 504 loan program provides long-term, fixed-rate financing for major fixed assets that promote business growth and job creation. It is designed for owner-occupied commercial real estate and is one of the most powerful tools available for small business owners.
With MFS Commercial Finance, you get access to a streamlined process backed by over 30 years of experience helping business owners secure the financing they need.
Key Features
- •Nationwide Financing – Purchase or refinance owner-occupied commercial real estate.
- •Up to $10M 1st TD – 60% max LTV; 2nd TD up to $5.5M, max 93% CLTV.
- •Fast Closings – Streamlined process to get deals funded quickly.
- •Flexible Structure – Combine first and second trust deeds for maximum leverage.
- •Long-Term Fixed Rates – Stability for your business planning.
- •Low Down Payment – As low as 10% down for eligible borrowers.
Eligibility Requirements
Business Type
For-profit businesses operating in the United States
Owner Occupancy
Minimum 51% owner occupancy of the property
Net Worth
Business net worth under $15 million
Net Income
Average net income under $5 million after taxes
Property Types
Office, retail, industrial, mixed-use, and more
Loan Purpose
Purchase, construction, or refinance of commercial real estate
Ready to Get Started?
Contact our team today to discuss your SBA 504 financing options.