April SBA 504 Rates

🌿 A Fresh Look at SBA 504 Lending

As spring takes hold and green shoots push through the soil, it’s a good time to talk about growth—yours and your clients’. The SBA 504 loan program continues to be one of the best tools for helping small businesses invest in real estate, equipment, and their futures.

We know that the 504 loan is a great tool for small businesses looking to build equity and control long-term costs—and it’s also a smart solution for lenders who want to offer more options without increasing risk.

This month’s rates offer long-term stability and room for growth.

What Lenders Appreciate About the SBA 504 Program

✅ Reduced Risk

Lenders maintain a first lien position while SBA takes a second lien, lowering exposure on each project.

✅ Efficient Use of Capital

With only 50% of the project financed by the bank, lenders can manage portfolio risk while supporting larger or more projects.

✅ Expanded Credit Options for Borrowers

The 504 structure can make financing feasible for borrowers who may not qualify under conventional terms alone.

✅ Long-Term Relationships

The program supports business stability, helping lenders build deeper, longer-lasting relationships with commercial clients.

We’re here to help you put the 504 loan program to work for your clients and your team. If you’d like to discuss a potential project or walk through a deal structure, we’re just a call or email away.