Web Design
Your content goes here. Edit or remove this text inline.
Logo Design
Your content goes here. Edit or remove this text inline.
Web Development
Your content goes here. Edit or remove this text inline.
White Labeling
Your content goes here. Edit or remove this text inline.
VIEW ALL SERVICES
The Ultimate Guide to SBA Loans
The Ultimate Guide to SBA Loans gives you everything you need to know in one place — loan types, qualifications, rates, timelines, and expert tips to help you navigate the process with confidence. Whether you’re exploring SBA 504 or 7a this guide is built to help small business borrowers make informed decisions.
FLAGSHIP SBA LOAN PROGRAMS
504 Loans
| Loan Size | up to $12.5 million (or more in some cases) |
| Loan Term | Up to 25 years in most cases. |
| Interest Rates | 6-8% blended. See current rates and structure for how SBA 504 blended rate is determined. |
| Loan Uses | Real Estate, Equipment, FF&E and other improvements |
| Credit Requirement | Not set but most lenders are looking for 670 or above |
| Down Payment | 10% for most projects. Find our more about down payment requirements for SBA 504 |
| Timing | 30-60 days after loan package received. |
SBA 7(a) Loans
| Loan Size | Cap at $5million |
| Loan Term | 5-25 years depending on collateral |
| Interest Rates | 7.5-10% Variable Rate. Usually priced at a spread above WSJ Prime. |
| Loan Uses | General Purpose, working capital, biz acquisition, Equipment or Real Estate |
| Credit Requirement | Not set but most lenders are looking for 670 or above |
| Down Payment | 10% for most projects. Find our more about down payment requirements for SBA 504 |
| Timing | 30-60 days after loan package received. |
SBA 504 Guides
SBA Loan Requirements
This guide walks borrowers through the requirements and eligibility criteria for SBA 504 loan.
How to Apply
If you are ready to get started on an SBA loan this guide will walk you through the steps to apply and timelines from start to finish.
How SBA Loans Work
In this guide, we break down exactly how SBA 504 loans work and what makes them different from other SBA loan programs.
SBA 504 Refinance
This guide helps borrowers navigate the SBA 504 Loan Refinance program including expansion and “cash-out” refinance.
SBA 504 Construction
SBA 504 construction loans allow small business to build, improve or expand commercial real estate assets.
SBA 504 vs 7a
In this guide we compare the SBA’s two major loan programs. Find out which one fits your situation best.
How Much Will Your SBA Loan Really Cost? Find Out Instantly!
SBA Articles & News
SBA 504 Top 12 Sectors
SBA Industry Insights In the chart below we look at the major sectors making up SBA 504 lending. Each sector combines multiple NAICS Industry codes. These sectors represented 89% of all SBA 504 lending in 2025. !DOCTYPE html> SBA 504 FY2025 Top 12...
SBA 504 Top 12 Sectors
SBA Industry Insights In the chart below we look at the major sectors making up SBA 504 lending. Each sector combines multiple NAICS Industry codes. These sectors represented 89% of all SBA 504 lending in 2025. !DOCTYPE html> SBA 504 FY2025 Top 12...
Fastest Growing SBA 504 Industries
Fastest-Growing Industries in SBA 504 Lending # Industry FY2023 FY2024 FY2025 3-Yr Growth CAGR 1 Fitness & Recreational Sports Centers $105.0M $118.6M $170.0M +61.9% 27.2% 2 Electrical Contractors $34.7M $43.7M $55.8M +60.6% 26.7% 3 Hotels (except Casino Hotels)...
SBA 504 Loan Industry Report: 2025
SBA 504 Loans: 2025 With Fiscal Year 2025 coming to a close we review some of the growth stats of the SBA 504 industry over the past year. While still below industry peak in 2022, the SBA 504 program showed solid growth in 2025 compared to 2024. ...
SBA 504 Top 12 Sectors
SBA Industry Insights In the chart below we look at the major sectors making up SBA 504 lending. Each sector combines multiple NAICS Industry codes. These sectors represented 89% of all SBA 504 lending in 2025. !DOCTYPE html> SBA 504 FY2025 Top 12...
Fastest Growing SBA 504 Industries
Fastest-Growing Industries in SBA 504 Lending # Industry FY2023 FY2024 FY2025 3-Yr Growth CAGR 1 Fitness & Recreational Sports Centers $105.0M $118.6M $170.0M +61.9% 27.2% 2 Electrical Contractors $34.7M $43.7M $55.8M +60.6% 26.7% 3 Hotels (except Casino Hotels)...
<!DOCTYPE html> <html lang="en"> <head> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1.0"> <title>SBA 504 Dental Practice Industry Analysis | APC</title> <link...
Benefits of SBA 504 for Small Businesses
Low down payments
SBA 504 loans can finance up to 90% of your total project cost while most conventional commercial real estate loans require 20-30% down.
Low Long Term Fixed Rates
Long-term (up to 25 years), below-market, fixed interest rates can help your business save on expenses.
Long amortization for better cashflow
Loan amortizations up to 25 years can reduce monthly payments and help your business preserve cash flow.
Capital to grow small business
SBA 504 loans provide business owners access capital at attractive terms when most traditional lenders would not be interested.
Are you ready to finance commercial real estate for your small business?
Talk to one of our professionals
Recent Closings
Small Businesses don’t ask for easy – just Access.
“Access Private Capital stands behind the risk-takers, the job-creators, the dream-builders.”
