SBA 504 Financing Request
Institutional Underwriting • Certainty of Execution
SBA 504 financing combines a bank first lien with an SBA CDC debenture for owner-occupied commercial real estate acquisitions, expansions, and major capital improvements. Job creation or retention benchmarks apply. Complete the information below to begin.
A Cornovus Capital principal reviews every submission within one business day.
For projects where job creation requirements may not apply, review the SBA 7(a) Business Financing program →
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Typical SBA 504 Loan Terms
| Project Size | $2M to $25M+ total project cost |
| Structure | 50% bank first lien, 40% SBA CDC debenture, 10% borrower equity |
| Amortization | 10, 20, or 25-year fully amortizing SBA debenture; bank terms vary |
| Rate | SBA debenture fixed rates tied to U.S. Treasuries |
| Recourse | Partial or limited recourse depending on bank structure |
| Job Creation | Job creation or retention benchmarks required as a condition of eligibility |
| Eligible Borrowers | For-profit U.S. businesses occupying at least 51% of the subject property |
| Closing Timeline | Typically 60 to 90 days from executed term sheet and CDC approval |
About Cornovus Capital
Cornovus Capital structures and executes SBA loans, bridge financing, CMBS, SBA 504, conventional multifamily, and LifeCo transactions for sponsors, developers, owner-operators, and operating businesses nationwide. Every transaction is underwritten to institutional credit committee standards, with structural issues identified early, sizing built to lender reality, and the full credit package prepared before a capital partner is ever engaged. Each transaction is placed through a proprietary capital markets platform with pre-qualified partners across bridge, SBA, CMBS, private capital, agency, life company, hedge, and pension executions, matched to the transaction's credit profile, structure, asset class, and geography.
Our expertise spans seven debt silos: SBA 504, SBA 7(a), SBA 7(a) 100% CRE, Bridge and Structured Debt, CMBS and Conduit, Conventional Multifamily (Agency and LifeCo), and Student Housing, with a Hospitality Owner's Representation overlay led by principals with direct owner-operator experience across the full asset lifecycle. Our quantitative underwriting platform applies institutional credit standards across every transaction, delivering depth, consistency, and turnaround speed.
For insight into the broader interest rate and monetary policy environment influencing commercial real estate financing, visit the Federal Reserve's Monetary Policy resources for insights into national commercial real estate performance.
Connect with Cornovus Capital
For active acquisitions, refinances, recapitalizations, or expansion opportunities, begin with the appropriate financing request. For early-stage discussions, use the contact path to confirm program fit and execution strategy.
Submit a financing request → | Contact us →
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