Consultants
What is an SBA 504 Loan Program?
The SBA 504 Loan Program is a partnership program between a Certified Development Company (CDC) and a partner lender. Working in conjunction with qualified lenders, Across Nations Pioneers provides up to 90% financing for commercial property purchases, new construction, land purchases, machinery purchases, and relocation.
How is an SBA 504 Loan Structured?
Across Nations Pioneers provides up to 40% of the total project cost with an affordable, fully amortized loan. The participating lender normally finances 50% of the project cost. The borrower typically puts down as little as 10% of the total project cost.
SBA 504 Finance Structure
| Source of Funds | Loan Amount | % | Interest Rates | Amortization | Collateral |
| Partner Lender | $1,000,000 | 50% | Fixed or Variable | 15 to 30 Years | 1st Trust Deed |
| ANP (CDC) | $800,000 | 40% | Fixed | 10 or 20 Years fully amortized | 2nd Trust Deed |
| Borrower | $200,000 | 10% | |||
| Total Financing $2,000,000 | |||||
| *Start up or Special Purpose Building requires 15% equity injection Start up and Special Purpose Building requires 20% equity injection | |||||
