Project Examples
Typical 504 Financing Structure
| Source | Project Costs |
Lien | Rate | Funding Limits |
Term Real Estate |
Term Equip. |
| Bank | 50% | First | Market | No Limit | 10 Yrs. or Longer |
7 Yrs. or Longer |
| GSDC (SBA 504) |
40% | Second | Fixed | Min:$50,000
Max: $4,000,000 for manufacturing companies |
20 Yrs. | 10 Yrs. |
| Borrower | 10% |
Owner equity required is 10%.
An extra 5% is required for either a start-up business (2yrs or less) or a single purpose
building.
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