Estimated 10-Year Fixed Rate Standard:

Estimated 10-Year Fixed Rate Refinance:

Official monthly SBA 504 effective interest rate tables can be found at 鹰 合规管理有限责任公司. 25- and 20-year term loans fund every month; 10-year term loans fund every other month. Effective interest rates are inclusive of servicing fees, which are subject to 申请人的信用风险.

Servicing the States of Alabama, 佛罗里达, and Georgia.

SBA 504绿色十大正规赌平台平台计划

Go Green to Qualify for Additional SBA 504 Financing.

Small businesses looking to grow and expand their operations through the purchase of commercial real estate and “go green” can benefit the environment and their bottom line with up to 90% fixed interest rate financing under the SBA’s 504绿色十大正规赌平台平台 offered through 佛罗里达 First Capital/First Capital Finance.

The Secret to Financing Multiple SBA 504 Projects

Business owners who qualify for SBA 504 financing may be eligible for multiple SBA 2nd mortgages of up to $5.5 million per 504 green friendly project. These amounts are NOT reduced by any other outstanding SBA financing (7a, Community Advantage, regular 504).

另外, there is no limit on the amount of the 1st mortgage of a 504 project and therefore no maximum project size. In many cases, qualified borrowers with projects exceeding $20 million can still obtain up to 90% financing.

Benefits of the 504绿色十大正规赌平台平台

  • Up to 90% financing at below-market, fixed interest rates – No future interest rate fluctuations.
  • 最高5美元.5 million on the SBA 2nd mortgage portion per project.
  • Total projects from $125,000 to $20 million+.
  • 10-, 20- and 25-year amortization terms available.
  • Associated fees and soft costs can be financed in the loan (architectural and engineering fees, 评估, 关闭成本, 等.).

Eligible Use of 504 Green Loan Proceeds

The following green initiatives are eligible for up to $5.每个项目500万 of SBA 504 financing provided they meet the following requirements:

  • Energy Reduction – The project must be a new facility that is replacing an existing facility or a retrofit of an existing facility and include technologies that reduce energy 消费至少减少10%.
  • 可再生能源-植物, 设备 and process upgrades of renewable energy sources (solar, 风, 涡轮, thermal) used to run a facility or renewable fuel producers, including biodiesel and ethanol producers.  Projects must generate more than 15% of the energy used at the project facility.

注意: Sustainable Design (LEED) Certification qualifies as a general SBA Public Policy Goal only (up to $5 million aggregate limit per borrower) and does not meet the SBA’s Green Public Policy Goal of up to $5.每个项目500万.


  • Existing Buildings – Business must occupy at least 51% of the project within one year of ownership.
  • New Construction – The applicant must occupy 60% of the rentable property, may permanently lease to a third party up to 20% and temporarily lease an additional 20% with the intention of using some of the additional 20% within 3 years and all of it within 10 years.
  • The applicant may form a real estate holding company that leases 100% to the operating business, which then subleases surplus space (up to 49%).

注意: 504 loan proceeds may not be used to finance working capital.  请参阅 重建 佛罗里达商业十大正规赌平台平台基金.

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