SBA 504 Financing Request
Institutional Underwriting • Certainty of Execution
This intake is designed to confirm SBA 504 eligibility, structure the project financing, and coordinate bank and CDC relationships for closing. Intended for owner-occupied commercial real estate acquisitions, expansions, and major capital improvements.
Submissions are reviewed through a disciplined underwriting lens to evaluate owner-occupancy, job creation requirements, project structure, and borrower qualifications. A principal reviews every submission within one business day.
SBA 504 requires job creation or retention benchmarks. For projects that may not qualify, SBA 7(a) owner-occupied financing may offer an alternative path. Review the SBA 504 program →
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Typical SBA 504 Loan Terms
| Project Size | $500K 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.
Financing spans seven debt execution silos: SBA 7(a) business financing, SBA 7(a) 100% CRE, SBA 504, bridge and structured debt, CMBS and conduit, conventional multifamily through Agency and LifeCo executions, and hospitality owner's representation. Every engagement is underwritten to institutional credit committee standards, ensuring transactions are structured to meet approval thresholds and execute within today's credit environment.
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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