{"id":138500594,"date":"2025-10-15T14:07:35","date_gmt":"2025-10-15T18:07:35","guid":{"rendered":"https:\/\/acccapital.com\/sba-504-loans\/"},"modified":"2026-09-24T15:47:28","modified_gmt":"2026-09-24T19:47:28","slug":"sba-504-loans","status":"publish","type":"page","link":"https:\/\/acccapital.com\/es\/small-business-lending\/sba-504-loans\/","title":{"rendered":"Pr\u00e9stamos SBA 504"},"content":{"rendered":"25-Year Fixed 6.304%\n 20-Year Fixed 6.289%\n 10-Year Fixed 6.313%\n 25-Year Fixed 6.304%\n 20-Year Fixed 6.289%\n 10-Year Fixed 6.313%\n 25-Year Fixed 6.304%\n 20-Year Fixed 6.289%\n 10-Year Fixed 6.313%\n 25-Year Fixed 6.304%\n 20-Year Fixed 6.289%\n 10-Year Fixed 6.313%\n 25-Year Fixed 6.304%\n 20-Year Fixed 6.289%\n 10-Year Fixed 6.313%\n\t\n

\n\t\t\tPr\u00e9stamos SBA 504\t<\/h1>\n\t

Low down payment, Fixed rate, below market, 90% financing for owner occupied real estate and major equipment.<\/p>\nApply Now<\/a>

\n\t\t\tDo You Qualify for an SBA 504 Loan?\t<\/h2>\n\t\t\t\t\t\t

Type of Business<\/h3>\t\t\t\t\t\n\t\t\t

Over 95% of the nation’s companies are classified as “small businesses” by SBA standards. Limitations are set by net profits, net worth and total employment according to industry.Almost every type of business qualifies for SBA financing: manufacturing, wholesale, service, retail. Loans cannot be made to speculative businesses like mining, investing or most businesses engaged in gambling activities. Lenders, insurance companies, or any passive businesses like landlords or investors are also precluded. Businesses must be legal (no cannabis related businesses). As of March 1, 2026 all businesses must be 100% US citizen owned (no LPR’s) this includes any indirect ownership as well.<\/em> Your ACC Business Development officer can answer any questions or concerns you might have.<\/p>\t\t\n\t\t\t\t\t\t

Project Size<\/h3>\t\t\t\t\t\n\t\t\t

Projects can be modest – sometimes as low as $500,000 – or scale into the millions. There’s technically no cap on total project cost, though projects over $10,000,000 are less common. And face additional scrutiny.<\/p>\t\t\n\t\t\t\t\t\t

Your Contribution<\/h3>\t\t\t\t\t\n\t\t\t

Most borrowers bring about 10% to the table as a down payment. Certain circumstances require an additional 5% such as single use properties (hotels, car washes) and new businesses. SBA considers any business with less than 2 years of operating history of the current ownership a new business.<\/p>\t\t\n\t\t\t\t\t\t

Business History<\/h3>\t\t\t\t\t\n\t\t\t

We typically work with businesses that have been operating for at least two years, with steady cash flow and proven management.<\/p>\t\t\n\t\t\t\t\t\t

Where You’re Located<\/h3>\t\t\t\t\t\n\t\t\t

If your project is in Arkansas, Memphis MSA or Texarkana MSA, Six Bridges Capital<\/strong> (an affiliate managed by ACC Capital) will act as your CDC and partner with the lender of your choice.Projects in all other states and US territories will qualify through ACC Capital’s national SBA 504 program. ACC will act as the 1st lender and work with the appropriate CDC in the project state.<\/p>\t\t\nApply Now<\/a>\n\t\t\t\t\t\t\t\"6BCC\n\t\t\t

About Six Bridges Capital Corporation<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t

Six Bridges Capital Corporation (6BCC), founded in 1989, is a SBA Certified Development Company (CDC) and affiliate managed by ACC. Through the SBA 504 loan program, Six Bridges has helped Arkansas entrepreneurs and small businesses invest in their futures for decades.Today, ACC Capital has expanded its mission nationally – still deeply rooted in Arkansas, but now offering stronger resources, broader lending products, and long-term financing to businesses across the U.S.<\/p>\t\t\n

\n\t\t\t\t\t\"A\n\t<\/figure>\n

\n\t\t\tSBA 504 Loan – What’s it all about?\t<\/h2>\ndownload checklist<\/a>\n\t

Use of Funds<\/strong><\/h3>\n

Purchase land for construction or existing commercial real estate, build or renovate, purchase major equipment and cover project costs like architects, engineering and equipment installation.<\/p>\n

How the Loan is Structured<\/strong><\/h3>\n

The financing is structured with two loans. Loan #1 is provided by the lender and typically amounts to 50% of the project amount. The second loan is provided by a CDC (Certified Development Company), acting as an agent for the SBA that will provide up to 40% of the financing package. The borrower typically provides the remaining 10% of the project amount. New businesses and certain types of real estate may require an additional 5% injection from the borrower.<\/p>\n

Loan Size<\/strong><\/h3>\n

SBA’s share (CDC) is typically limited to $5 million – or $5.5 million for manufacturing and energy-efficient projects. The lender’s share has no cap, so many larger projects can be accommodated.<\/p>\n

Repayment Terms<\/strong><\/h3>\n

1st Lender<\/strong> – Terms are determined by the lender, typically 10 years for real estate, amortized over a 20- or 25-year term. Talk to your Business Development Officer for pricing on your project.<\/p>\n

CRC (2nd loan)<\/strong> – 10 years for most equipment and up to 25 years for commercial real estate. Loans are fully amortizing meaning there is no ballon payment at maturity.<\/p>\n\t

Interest Rates & Prepayment<\/strong><\/h3>\n

1st Lender<\/strong> – Rates, terms and prepayment penalties are determined by the lender – Talk to your Business Development officer for pricing on your project.<\/p>\n

CDC (2nd loan)<\/strong> – Long term fixed rate, below market financing (20-25 years for real estate and 10 years for equipment). No balloon payments – everything is fully amortized. Talk to your Business Development Officer for the current fixed rates.<\/p>\n

The SBA portion comes with a fixed, predictable rate. Prepayment penalties apply if you pay off early, but they decline over time.<\/p>\n

Costs & Fees<\/strong><\/h3>\n

Expect standard fees like a small SBA funding fee, the 1st lender may charge processing and underwriting fees as well as closing costs, plus the usual legal, appraisal and other third party expenses.<\/p>\n

Collateral & Guarantees<\/strong><\/h3>\n

The 1st lender holds the first lien. The CDC, 2nd lender, holds the second position. Owners with 20% or more ownership must provide personal guarantees. A strong business track record, solid cash flow, and experienced management are important.<\/p>\n\t

*Fees, penalties and guarantees are subject to terms and conditions. For more information, contact our Business Development Officers.<\/em><\/p>\n

\n\t\t\tFrequently Asked Questions\t<\/h2>\n\t

We know the SBA 504 loan process can raise a lot of questions. Here are answers to some of the most common ones to help you understand eligibility, costs, and how the program works.<\/p>\n\t\t\t\tWhat can an SBA 504 Loan be used for?\n\t\t\t\t\t

In general, only to acquire, improve or in some cases, refinance fixed assets with a useful economic life of ten or more years. Most projects include the acquisition and\/or improvement of one or more of the following:<\/p>\n

    \n
  • Land and\/or an existing building<\/li>\n
  • Land and construction of a new building<\/li>\n
  • Commercial condominiums<\/li>\n
  • Project related machinery and equipment<\/li>\n
  • Projected related soft costs<\/li>\n<\/ul>\n

    Refinancing of existing debt may be included in the 504’s total project cost. Eligible business expenses may also be financed under certain parameters.<\/p>\n\t\t\t\tIs my business eligible for SBA 504 financing?\n\t\t\t\t\t

    Over 95% of the nation’s companies are classified as “small businesses” by SBA standards. Limitations are set by net profits, net worth and total employment according to industry.
    Almost every type of business qualifies for SBA financing: manufacturing, wholesale, service, retail. Loans cannot be made to speculative businesses like mining, investing or most businesses engaged in gambling activities. Lenders, insurance companies, or any passive businesses like landlords or investors are also precluded. Businesses must be legal (no cannabis related businesses). As of March 1, 2026 all businesses must be 100% US citizen owned (no LPR’s) this includes any indirect ownership as well.<\/em> Your ACC Business Development officer can answer any questions or concerns you might have.<\/p>\n\t\t\t\tHow is a 504 loan structured?\n\t\t\t\t\t

    The financing is structured with two loans. Loan #1 is provided by the lender and typically amounts to 50% of the project amount. The second loan is provided by a CDC (Certified Development Company), acting as an agent for the SBA that will provide up to 40% of the financing package. The borrower typically provides the remaining 10% of the project amount, New businesses and certain types of real estate may require an additional 5% injection from the borrower.<\/p>\n\t\t\t\tHow much can I borrow?\n\t\t\t\t\t

    Projects can be modest – sometimes as low as $500,000 – or scale into the millions. There’s technically no cap on total project cost, though projects over $10,000,000 are less common. And face additional scrutiny.<\/p>\n\t\t\t\tAre there prepayment penalties?\n\t\t\t\t\t

    Prepayment penalties will apply.<\/p>\n

    504 1st loan – The prepayment penalty (if any) is determined by the lender along with the rate and term.<\/p>\n

    SBA 504 2nd loan -20-25 year fixed rate loan has a 10 year prepayment penalty. The 504 10-year fixed rate loan has a 5 year prepayment penalty. Both are required by SBA and are not negotiable. Your Business Development Officer has give you the exact amounts.<\/p>\n\t\t\t\tHow long is the approval process?\n\t\t\t\t\t

    Typically, the 1st lender will work in conjunction with the CDC so you don’t need to duplicate your efforts. Following the approval of the 1st position lender, the CDC will submit the loan for SBA for approval. The entire process will typically take 30-45 days depending on SBA response times.<\/p>","protected":false},"excerpt":{"rendered":"

    25-Year Fixed 6.304% 20-Year Fixed 6.289% 10-Year Fixed 6.313% 25-Year Fixed 6.304% 20-Year Fixed 6.289% 10-Year Fixed 6.313% 25-Year Fixed 6.304% 20-Year Fixed 6.289% 10-Year Fixed 6.313% 25-Year Fixed 6.304% 20-Year Fixed 6.289% 10-Year Fixed 6.313% 25-Year Fixed 6.304% 20-Year Fixed 6.289% 10-Year Fixed 6.313% SBA 504 Loans Low down payment, Fixed rate, below market, […]<\/p>\n","protected":false},"author":8,"featured_media":138501795,"parent":138500600,"menu_order":9,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"class_list":["post-138500594","page","type-page","status-publish","has-post-thumbnail","entry"],"acf":[],"yoast_head":"\nSBA 504 Loans | Small Business Lending | ACC Capital<\/title>\n<meta name=\"description\" content=\"SBA 504 Loans provide low down payments, fixed rates, below market, and 90% financing for owner occupied real estate and major equipment. 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