SBA 504 Loan Financing Request
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SBA 504 Advisory Overview
Cornovus Capital structures SBA 504 financing solutions for owner-occupied commercial real estate acquisitions, refinances, expansions, equipment projects, and major capital improvements.
Our advisory team collaborates with SBA lenders and Certified Development Companies (CDCs) to align project cost, collateral structure, cash flow, and SBA eligibility with borrower objectives under the 50/40/10 program.
Market Insights & Information Sources
SBA lending insights from lender communications, CDC underwriting updates, and Cornovus Capital’s advisory network help borrowers understand debenture-rate trends, program adjustments, project eligibility requirements, and execution timing under the 504 program.
Advisory Review & Submission Process
After submission, a Cornovus Capital advisor reviews ownership structure, project cost, cash flow coverage, collateral position, and SBA eligibility criteria to determine 504 program fit.
This review aligns project financing needs with lender and CDC requirements from initial assessment through SBA approval and debenture funding.
SBA 504 Strategies We Support
Cornovus Capital supports owner-occupied CRE purchases, ground-up and expansion projects, equipment installations, major building improvements, and refinancing of qualified commercial real estate under SBA 504 guidelines.
Our advisory platform coordinates lender underwriting, CDC review, SBA eligibility, and structured financing alignment to support efficient and predictable execution.
Typical SBA 504 Loan Terms
| Loan Size | $500K – $25MM+ total project cost (typical 50% bank • 40% CDC • 10% borrower equity) |
| Amortization | 10-, 20-, or 25-year fully amortizing SBA debenture; bank terms vary |
| Interest Rates | SBA debenture fixed rates tied to U.S. Treasuries; typically below conventional CRE rates |
| Structure | 50% bank loan • 40% SBA CDC debenture • 10% borrower equity (more for startups) |
| Recourse | Partial or limited recourse depending on bank structure and risk |
| Eligible Borrowers | For-profit U.S. businesses occupying ≥51% of the property for operations |