We are a leading Certified Development Company providing long-term, fixed-rate financing through the SBA 504 loan program, which offers 90% financing to business owners for the purchase, renovation, or construction of commercial real estate for their growing businesses. This rate is an estimate based on the current 25-year debenture rate.
Actual rate is determined in the month of funding. CDCs may quote 504 rates differently, but all 504 loans funded in a given month will have the same rate, which is determined by the sale of bonds at the time of funding. We quote the full-term effective interest rate. All CDCs offer the same rates, so find out why we are one of the leading and most trusted 504 lenders in the country.
Actual rate is determined in the month of funding. CDCs may quote 504 rates differently, but all 504 loans funded in a given month will have the same rate, which is determined by the sale of bonds at the time of funding. We quote the full-term effective interest rate. All CDCs offer the same rates, so find out why we are one of the leading and most trusted 504 lenders in the country.
Services
We care deeply about our team's success as well as the success of the small businesses we serve. We find solutions. We are problem solvers. We look for creative solutions to help our clients achieve their goals of owning their own buildings. We are focused on results. We are committed to making a difference to small business owners, our real estate and lending partners, and our employees.
The SBA 504 loan is a partnership between an SBA Certified Development Company (CDC) and a bank. The loan provides financing for the purchase, renovation, or construction of commercial real estate. The 504 program is designed to help growing businesses secure long-term, fixed-rate financing for the purchase, renovation, or construction of commercial real estate for their businesses with as little as 10% down.
A pre-qualification letter from us gives you an edge over other prospective buyers. Getting pre-qualified with us when you start looking for a building ensures that you will be ready to move quickly as soon as you find the right building. If you are looking at financing options, start with us. Even if 504 financing does not end up being the best option for you, we can help guide you to other options that might be a better fit.
We are required to collect current financial statements such as tax returns on an annual basis. We prefer that you submit them via our secure file transfer system here. To comply with loan requirements, it is required that you have insurance coverage. We must have current evidence of property insurance on all properties we financed at all times.
By owning the new building, we fixed our expenses, so we can continue growing while controlling our costs. The mortgage payment on the new building is less than we currently pay in rent! Working with Capital Access was a smooth, easy process. I highly recommend them. The Capital Access Group team was informative, transparent, supportive, and very patient.
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