{"id":268,"date":"2015-08-09T22:46:24","date_gmt":"2015-08-10T05:46:24","guid":{"rendered":"http:\/\/tmcfinancing.wpengine.com\/?page_id=268"},"modified":"2022-12-05T07:43:18","modified_gmt":"2022-12-05T15:43:18","slug":"sba-504-loans","status":"publish","type":"page","link":"https:\/\/www.tmcfinancing.com\/es\/sba-504-loans\/","title":{"rendered":"Pr\u00e9stamos SBA 504"},"content":{"rendered":"\n<h1>\n\t\tWhat is an SBA 504 loan?\n\t<\/h1>\n<h2>\n\t\tProgram Benefits\n\t<\/h2>\n\t<p>SBA 504 loans enable business owners to buy commercial real estate and other fixed assets at below-market, long-term, fixed interest rates. Fully amortized over 25 years, these payments carry no balloon payment.<\/p>\n<p>You can also an SBA 504 loan to construct a new property, upgrade an existing building, <a href=\"https:\/\/www.tmcfinancing.com\/sba-504-loans\/sba-504-equipment-loan\/\" target=\"_blank\" rel=\"noopener\">purchase equipment<\/a> (with 10+ yr. life expectancy), or convert facilities to <a href=\"https:\/\/www.tmcfinancing.com\/sba-504-loans\/sba-energy-efficiency-financing\/\" target=\"_blank\" rel=\"noopener\">energy-efficient facilities<\/a>.<\/p>\n\t<h3>SBA 504 loans from TMC feature:<\/h3>\n<ul>\n<li>As low as <strong>10% down<\/strong>, so you can keep your cash working to grow your business. <a href=\"https:\/\/www.tmcfinancing.com\/\/financing-special-purpose-properties\/\" target=\"_blank\" rel=\"noopener\">Single-purpose facilities<\/a> or start-up businesses require a minimum of 15% down<\/li>\n<li>Below-market <strong>fixed<\/strong> interest rates with payments fully-amortized over 25 years, no balloon payment<\/li>\n<li>No limit to the total project cost<\/li>\n<li>No additional collateral required<\/li>\n<li>Closing and other soft costs can be added to SBA 504 loans<\/li>\n<\/ul>\n\t\t\t<a href=\"https:\/\/www.tmcfinancing.com\/\/sba-eligibility\/\" target=\"_blank\" role=\"button\" rel=\"noopener\">\n\t\t\t\t\t\tEligibility\n\t\t\t\t\t<\/a>\n\t<h3>Get Started<\/h3>\n<p>Connect with our SBA 504 Loan Experts<\/p>\n\t\t\t<a href=\"#\" role=\"button\">\n\t\t\t\t\t\t\tContact a Loan Expert\n\t\t\t<\/a>\n\t\t <!--[if lte IE 8]>  <![endif]-->   \t\n\t\t\t<a href=\"https:\/\/www.tmcfinancing.com\/sba-504-how-to-apply\/\" target=\"_self\" role=\"button\" rel=\"noopener\">\n\t\t\t\t\t\t\tPre-Qualify Today\n\t\t\t\t\t<\/a>\n\t<h3>SBA 504 Loan Structure<\/h3>\n<p>The SBA 504 loan is a second mortgage loan backed by the SBA.<\/p>\n<p>The 1st mortgage is provided by a conventional lender, representing approximately 50% of the total project cost.<\/p>\n<p>The SBA 504 2nd mortgage, representing generally 40% of the total project cost, has a long-term, up to 25 years, and <strong>fixed<\/strong> interest rate, fully amortized for the full term of the loan.<\/p>\n\t<meta itemprop=\"url\" content=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/04\/Anna-SBA-504-Loan-Structure.mp4\" \/><div style=\"width: 640px;\" class=\"wp-video\"><video class=\"wp-video-shortcode\" id=\"video-268-1\" width=\"640\" height=\"360\" preload=\"metadata\" controls=\"controls\"><source type=\"video\/mp4\" src=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/04\/Anna-SBA-504-Loan-Structure.mp4?_=1\" \/><a href=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/04\/Anna-SBA-504-Loan-Structure.mp4\">https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/04\/Anna-SBA-504-Loan-Structure.mp4<\/a><\/video><\/div>\n\t<h4>Example Structure<\/h4>\n<p>Using a $5 million loan example, the financing structure would look like this:<\/p>\n<ul>\n<li>Conventional loan (1st) &#8211; $2,500,000 &#8211; 50%<\/li>\n<li>SBA 504 loan (2nd) &#8211; $2,000,000 &#8211; 40%<\/li>\n<li>Borrower down payment &#8211; $500,000 &#8211; 10%<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/07\/sba-image.jpg\" alt=\"\" width=\"820\" height=\"26\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2>\n\t\t<u>SBA 504<\/u> vs. 7(a) vs. Conventional \n\t<\/h2>\n\t<p>The SBA offers both the 504 and 7(a) loans, each valuable for their differences. The SBA 504 Loan is for the purchase of real estate and other fixed assets, and the 7a loan is more commonly used when working capital financing is needed. The 504 offers a low, fixed rate, while the 7(a) interest rate is variable and often unpredictable. The project maximum of a 7(a) loan is $5M and there is no project maximum with an SBA 504 Loan.<\/p>\n\t\t<style>\n\t\t\t\t\t.comp-table-18583 tbody tr td:nth-child(2) {\n\t\t\t\t\t\tbackground-color: #E9F7FD;\n\t\t\t\t\t\tbox-shadow: 0 .5rem 1rem rgba(0,0,0,.15)!important;\n\t\t\t\t\t\tborder-color: #00A4E4;\n\t\t\t\t\t\tfont-weight: 500;\n\t\t\t\t\t}\n\t\t\t\t\t.comp-table-18583 thead tr th:nth-child(2) {\n\t\t\t\t\t\tborder-radius: 10px 10px 0 0;\n\t\t\t\t\t\tbackground-color: #003E7E;\n\t\t\t\t\t\tbox-shadow: 0 .5rem 1rem rgba(0,0,0,.15)!important;\n\t\t\t\t\t\tborder-color: #003E7E;\n\t\t\t\t\t\tcolor: #fff;\n\t\t\t\t\t}\n\t\t\t\t\t.comp-table-18583 tbody tr:last-child td:nth-child(2) {\n\t\t\t\t\t\tborder-radius: 0 0 10px 10px;\n\t\t\t\t\t}\n\t\t\t\t\t\t\t.comp-table-18583 tbody tr td:first-child,\n\t\t\t.comp-table-18583 thead tr th:first-child {\n\t\t\t\ttext-align: left !important;\n\t\t\t}\n\t\t\t.comp-table-18583 thead tr th {\n\t\t\t\tborder-top:0;\n\t\t\t}\n\t\t\t.comp-table-18583 {\n\t\t\t\tline-height: 1.2;\n\t\t\t}\n\t\t\t.comp-table-18583 thead tr th,\n\t\t\t.comp-table-18583 tbody tr td {\n\t\t\t\tpadding-top: 1rem;\n\t\t\t\tpadding-bottom: 1rem;\n\t\t\t}\n\t\t<\/style>\n\t\t\t\t<table border=\"0\">\n\t\t\t\t\t\t\t\t\t\t\t<thead>\n\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t\t\tSBA 504\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t\t\tSBA 7(a)\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t\t\tConventional\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t<\/thead>\n\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tDown Payment\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t10% minimum\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t10-15% minimum\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t25-40%\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tInterest Rates\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tSBA second mortgage at below-market rates, fixed for 25 years\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tTypically variable; tied to prime\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tVaries by lender\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tFees\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tIncluded in SBA loan; approximately 2.15%\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tPaid out-of-pocket; typically about 2.75%\n\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tPaid out-of-pocket; approximately 1%\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tProject Size\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tNo maximum\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tMaximum loan amount $5 million\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tNo maximum\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tCollateral\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tNo additional collateral required\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tAdditional collateral typically required for 90% financing\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tTypically no additional collateral required\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tPrepayment Penalty\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tYes, for first 10 years, declining each year\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tYes, typically in first three years\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\tVaries by lender\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<\/tbody>\n\t\t\t\t<\/table>\n\t\t<h3><a href=\"https:\/\/www.tmcfinancing.com\/sba-504-how-to-apply\/\" target=\"_self\" rel=\"noopener\"><\/a><\/h3>\t\t\n\t\t\t<p>TMC Financing offers exceptional experience and expertise. We&#8217;ve financed $10 billion in SBA projects-from $500,000 to $44 million in project values.<\/p>\n\t\t\t<a href=\"https:\/\/www.tmcfinancing.com\/sba-504-how-to-apply\/\" target=\"_self\" role=\"button\" rel=\"noopener\">\n\t\t\t\t\t\t\tApply Now\n\t\t\t\t\t<\/a>\n\n","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 es un pr\u00e9stamo SBA 504? Beneficios del programa Los pr\u00e9stamos SBA 504 permiten a los due\u00f1os de negocios comprar bienes ra\u00edces comerciales y otros activos fijos a tasas de inter\u00e9s fijas a largo plazo por debajo del mercado. Completamente\u2026<\/p>","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":5,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"class_list":["post-268","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>SBA 504 Loan to Purchase Building | Commercial, Industrial &amp; Hotel<\/title>\n<meta name=\"description\" content=\"SBA 504 loans help businesses buy commercial real estate and other fixed assets with long-term, below-market, and fixed rates. Learn more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.tmcfinancing.com\/es\/sba-504-loans\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SBA 504 Loans\" \/>\n<meta property=\"og:description\" content=\"SBA 504 loans help businesses buy commercial real estate and other fixed assets with long-term, below-market, and fixed rates. Learn more.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tmcfinancing.com\/es\/sba-504-loans\/\" \/>\n<meta property=\"og:site_name\" content=\"TMC Financing\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/www.facebook.com\/pages\/TMC-Financing\/285163574849957\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-05T15:43:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/07\/sba-image.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@TMCFinance\" \/>\n<meta name=\"twitter:label1\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutos\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"SBA 504 Loan to Purchase Building | Commercial, Industrial & Hotel","description":"SBA 504 loans help businesses buy commercial real estate and other fixed assets with long-term, below-market, and fixed rates. Learn more.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.tmcfinancing.com\/es\/sba-504-loans\/","og_locale":"es_MX","og_type":"article","og_title":"SBA 504 Loans","og_description":"SBA 504 loans help businesses buy commercial real estate and other fixed assets with long-term, below-market, and fixed rates. Learn more.","og_url":"https:\/\/www.tmcfinancing.com\/es\/sba-504-loans\/","og_site_name":"TMC Financing","article_publisher":"http:\/\/www.facebook.com\/pages\/TMC-Financing\/285163574849957","article_modified_time":"2022-12-05T15:43:18+00:00","og_image":[{"url":"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/07\/sba-image.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_site":"@TMCFinance","twitter_misc":{"Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.tmcfinancing.com\/sba-504-loans\/","url":"https:\/\/www.tmcfinancing.com\/sba-504-loans\/","name":"SBA 504 Loan to Purchase Building | Commercial, Industrial & Hotel","isPartOf":{"@id":"https:\/\/www.tmcfinancing.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.tmcfinancing.com\/sba-504-loans\/#primaryimage"},"image":{"@id":"https:\/\/www.tmcfinancing.com\/sba-504-loans\/#primaryimage"},"thumbnailUrl":"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/07\/sba-image.jpg","datePublished":"2015-08-10T05:46:24+00:00","dateModified":"2022-12-05T15:43:18+00:00","description":"SBA 504 loans help businesses buy commercial real estate and other fixed assets with long-term, below-market, and fixed rates. Learn more.","breadcrumb":{"@id":"https:\/\/www.tmcfinancing.com\/sba-504-loans\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.tmcfinancing.com\/sba-504-loans\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.tmcfinancing.com\/sba-504-loans\/#primaryimage","url":"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/07\/sba-image.jpg","contentUrl":"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/07\/sba-image.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/www.tmcfinancing.com\/sba-504-loans\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.tmcfinancing.com\/"},{"@type":"ListItem","position":2,"name":"SBA 504 Loans"}]},{"@type":"WebSite","@id":"https:\/\/www.tmcfinancing.com\/#website","url":"https:\/\/www.tmcfinancing.com\/","name":"Financiamiento TMC","description":"Prestamista No. 1 de la SBA 504 en la naci\u00f3n","publisher":{"@id":"https:\/\/www.tmcfinancing.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.tmcfinancing.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/www.tmcfinancing.com\/#organization","name":"TMC Financing, Inc.","url":"https:\/\/www.tmcfinancing.com\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.tmcfinancing.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2015\/08\/logo.png","contentUrl":"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2015\/08\/logo.png","width":130,"height":133,"caption":"TMC Financing, Inc."},"image":{"@id":"https:\/\/www.tmcfinancing.com\/#\/schema\/logo\/image\/"},"sameAs":["http:\/\/www.facebook.com\/pages\/TMC-Financing\/285163574849957","https:\/\/x.com\/TMCFinance","http:\/\/www.linkedin.com\/company\/57173","http:\/\/www.youtube.com\/user\/tmcfinancingTV"]}]}},"_links":{"self":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/pages\/268","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/comments?post=268"}],"version-history":[{"count":0,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/pages\/268\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/media?parent=268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}