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U.S. Small Business Administration / Certified Development Companies
SBA 504 Loan Program
Amount
Up to $5.5M
SBA-backed; 10% down required
Deadline
Rolling
Odds
Not published
Effort
1–2 days
Can you get this?
✓Business must be for-profit
✓Business must be located in the U.S.
✓Must meet SBA small business size requirements
✓Must be an operating business
✓Must demonstrate ability to repay loan
Your real odds
This is an ongoing federal loan program with no application cycle, so availability depends on your financials and finding a qualifying CDC lender.
Your odds hinge on creditworthiness, a feasible business plan, and good character, because this is government-backed rather than competitive. The 10% down payment is a real threshold to clear upfront.
What it takes
Find a Certified Development Company (CDC) in your area via the SBA's CDC locator1–2 days
Prepare financials, business plan, and asset documentation with your CDC and a senior lender2–4 weeks
Submit application through your CDC and await SBA approval30–90 days typical
Worth knowing
The SBA-backed portion is capped at $5.5M, but the total project can be larger because a senior lender covers a portion alongside the CDC, and your CDC can help structure the full financing stack.
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