We offer an array of asset based lending (ABL) and financing solutions.
Loan Size: Up to $5M with 10% down
SBA 504 loans help businesses purchase owner-occupied commercial real estate and major equipment with affordable, long-term financing. Compared to many conventional commercial loans, the program offers longer repayment terms and lower monthly payments, helping businesses preserve cash flow while investing in future growth. Capital Desk works with a nationwide network of SBA lenders to help businesses secure the financing they need to buy, build, or expand their facilities.
SBA 504 loans are designed for businesses purchasing owner-occupied commercial real estate or major equipment. They are commonly used to buy office buildings, warehouses, manufacturing facilities, medical offices, retail locations, and other properties where the business will occupy at least a portion of the building. The program can also help finance construction projects, renovations, and certain long-term equipment purchases.
Often used in conjunction with SBA 7(a) loans if the operator plans to own the OpCo and RealCo.
SBA 504 loans offer long repayment terms, competitive fixed interest rates, and lower monthly payments than many traditional commercial real estate loans. Lower equity requirements can also help businesses preserve working capital for hiring, inventory, equipment, and future growth. For many business owners, the program provides an affordable path to owning their own facility instead of continuing to lease.
Whether you’re buying your first headquarters, expanding operations, or constructing a new facility, SBA 504 financing provides a cost-effective path to ownership.
Buying commercial real estate is one of the biggest investments a business will make. Capital Desk helps structure your financing, prepare your loan package, and connect you with the SBA lenders best suited for your transaction. With access to banks and lending partners across the country, we improve your chances of approval, reduce delays, and help you close with confidence.
We serve clients nationwide, and have delivered capital to 48 States, Puerto Rico, and Canada.
Since September, 2023, we’ve deployed $150M+ to clients across an array of industries.
An SBA 504 loan is a government-backed financing program designed to help businesses purchase owner-occupied commercial real estate and major equipment. It offers long repayment terms and competitive financing to help businesses invest in long-term assets while preserving cash flow.
SBA 504 loans are commonly used to purchase office buildings, warehouses, manufacturing facilities, medical offices, retail locations, and other owner-occupied commercial properties. They can also be used to finance construction projects, renovations, and certain long-term equipment purchases.
SBA 504 loans are available to many for-profit small businesses that meet SBA size standards and have the ability to repay the loan. Eligibility depends on your business’s financial strength, the property being financed, and how the property will be used.
Yes. SBA 504 loans are specifically designed to help businesses purchase owner-occupied commercial real estate. Many business owners use the program to buy their own building instead of continuing to lease.
SBA 504 loans are designed primarily for purchasing owner-occupied commercial real estate and long-term equipment. SBA 7(a) loans are more flexible and can be used for working capital, business acquisitions, debt refinancing, equipment, and many other business needs. In some cases, the two programs can work together as part of the same financing strategy.