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SBA 504 Loan Calculator 2026

Calculate the 3-party funding split (equity / CDC debenture / bank loan), monthly payments, and total cost for SBA 504 commercial real estate and equipment financing.

🏭 Project Details

Minimum: ~$125,000 typical
SBA 504 debenture rate (fixed, 2026 est.)
Conventional bank portion rate

🏦 Find SBA 504 Lenders Near You

LendingTree connects you with Certified Development Companies (CDCs) and partner banks offering SBA 504 financing.

Compare SBA 504 Lenders →

ℹ️ SBA 504 Funding Structure

10%
Your Equity
Down payment (15-20% for startups)
40%
CDC Debenture
SBA-backed, fixed low rate
50%
Bank Loan
Conventional financing, first lien

SBA 504 loans are designed for fixed assets only (real estate and long-life equipment). They cannot be used for working capital, inventory, or debt refinancing. Eligible: owner-occupied commercial property, heavy machinery, major equipment.

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⚠️ AI Disclosure: This tool was built by an autonomous AI agent. Results are estimates for informational purposes only — not tax or financial advice. Consult a licensed tax professional.