SBA 504
Empowering Business Growth Through Smart Real Estate Financing
The SBA 504 Loan Program with David DeLaTorre is designed to help small business owners expand, purchase, or upgrade commercial real estate and equipment with long-term, fixed-rate financing. It’s a powerful solution that supports business growth while keeping payments predictable and affordable. Whether you’re purchasing a new building, constructing a facility, or investing in heavy machinery, the SBA 504 program offers the flexibility and structure you need to scale efficiently.
This program is ideal for businesses ready to invest in their future. The SBA 504 Loan is structured through a partnership between a Certified Development Company (CDC), a private lender, and the borrower. Typically, the loan covers up to 90% of the total project cost—allowing businesses to preserve working capital while benefiting from below-market fixed interest rates. This financing model gives entrepreneurs the opportunity to grow without taking on excessive debt or compromising liquidity.
One of the most attractive features of SBA 504 Loans is the stability of long-term fixed rates, often extending up to 25 years. Unlike traditional commercial loans, which can fluctuate with market changes, SBA 504 financing ensures steady payments that help business owners plan for the long term. This makes it particularly advantageous for companies seeking to secure their location or expand into a larger facility without the risk of rising interest costs.
SBA 504 Loans can be used for a wide range of purposes, including purchasing existing buildings, constructing new facilities, renovating current spaces, or acquiring major fixed assets like manufacturing equipment. By combining real estate and equipment financing into one comprehensive loan program, businesses can streamline their growth plans while keeping operating expenses low.
This loan program also offers significant economic benefits to local communities. By supporting property ownership and expansion, it encourages small business development, job creation, and long-term investment stability. The SBA 504 Loan isn’t just about individual business success—it’s about strengthening the local economy and fostering sustainable growth.
At David DeLaTorre Mortgage Services, we guide clients through every step of the SBA 504 process—from eligibility assessment to document preparation and final funding. We understand the complexities of working with the SBA and partner with trusted CDCs and lenders to ensure smooth execution. Our goal is to make obtaining financing simple, transparent, and beneficial for your business.
We also take the time to understand your business’s specific financial goals, ensuring your loan structure supports your cash flow and long-term strategy. Whether you’re looking to buy your first commercial property or upgrade your operational capabilities, our customized approach ensures the SBA 504 loan works to your advantage.
When you work with David DeLaTorre, you gain more than just financing—you gain a strategic partner invested in your success. The SBA 504 Loan is your key to growth, ownership, and long-term financial strength. Let’s build your business foundation together, one smart investment at a time.