{"id":23355,"date":"2024-08-09T16:37:15","date_gmt":"2024-08-09T23:37:15","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/?p=23355"},"modified":"2025-06-17T10:06:34","modified_gmt":"2025-06-17T17:06:34","slug":"unlock-unlimited-cre-financing-broker-loan-guide","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/unlock-unlimited-cre-financing-broker-loan-guide\/","title":{"rendered":"Unlock Unlimited SBA 504 Commercial Real Estate Financing"},"content":{"rendered":"<p><strong><em>An SBA 504 Loan Guide for CRE Brokers: The Optimal Choice for Business Owners Seeking Owner-User Property<\/em><\/strong><\/p>\n<p>Navigating traditional lending caps can be challenging for small businesses, especially those in capital-heavy industries. <a href=\"https:\/\/www.tmcfinancing.com\/es\/business-financing\/why-sba-504\/\" target=\"_blank\" rel=\"noopener\">The Small Business Administration\u2019s (SBA) 504 Loan Program<\/a> provides an optimal solution by enabling businesses to purchase, construct, renovate or refinance land and facilities <strong>con solo un pago inicial de 10%<\/strong> <strong>and a below-market rate, fixed for 25 years<\/strong>. This financing option is particularly beneficial for commercial real estate professionals looking to support their clients in securing owner-user properties.<\/p>\n<h3><span style=\"color: #ff6600;\"><strong><a style=\"color: #ff6600;\" href=\"https:\/\/share.hsforms.com\/1xknQ_0edSAiI79pJWk45RAc46pr\" target=\"_blank\" rel=\"noopener\"><em>\u2193(Download\u00a0 SBA 504 Loan Guide)\u2193<\/em><\/a><\/strong><\/span><\/h3>\n<p><strong>Advantages of SBA 504 Commercial Real Estate Financing<\/strong><\/p>\n<p>The SBA 504 Program offers several <a href=\"https:\/\/www.tmcfinancing.com\/es\/business-financing\/why-sba-504\/\" target=\"_blank\" rel=\"noopener\">key benefits<\/a>, including:<\/p>\n<ul>\n<li><strong>High Loan-to-Value Ratios<\/strong>: Financing up to 90% of project costs.<\/li>\n<li><strong>Fixed Interest Rates<\/strong>: Locking in below-market, fixed rates for long-term financial stability.<\/li>\n<li><strong>Flexible Loan Terms<\/strong>: Offering 10-, 20-, and 25-year amortization terms to suit various business needs.<\/li>\n<li><strong>Inclusion of Soft Costs<\/strong>: Financing associated fees and soft costs, reducing out-of-pocket expenses.<\/li>\n<li><strong>Broad Eligibility<\/strong>: Most for-profit small-to-medium-sized businesses <a href=\"https:\/\/www.tmcfinancing.com\/es\/sba-eligibility\/\" target=\"_blank\" rel=\"noopener\">qualify for the program.<\/a><\/li>\n<\/ul>\n<ul>\n<li><a href=\"https:\/\/www.tmcfinancing.com\/es\/sba-size-standard-updates-2024\/\" target=\"_blank\" rel=\"noopener\"><strong>Expanded Size Standards<\/strong><\/a><strong> - <\/strong>recent updates allow more businesses to qualify based on size, even if their net income exceeds traditional limits.<\/li>\n<\/ul>\n<ul>\n<li><strong>Refinance existing debt<\/strong>: Convert high-interest commercial real estate loans to a more affordable SBA 504 loan. Existing <a href=\"https:\/\/www.tmcfinancing.com\/es\/refinancing-sba-7a-loan-with-sba-504-loan\/\">SBA 504 and (7)a loan<\/a>s are eligible for refinancing.<\/li>\n<\/ul>\n<p>Promoting the SBA 504 Program&#8217;s benefits can make a significant difference for any CRE professional looking to support their small business clients. Understanding and leveraging these opportunities allows commercial real estate brokers to play a pivotal role in their clients&#8217; success, while simultaneously fostering economic growth within the small business community.<\/p>\n<p><strong>Enhanced SBA 504 Financing with Green Energy Program<\/strong><\/p>\n<p>La <a href=\"https:\/\/www.tmcfinancing.com\/es\/sba-504-loans\/sba-energy-efficiency-financing\/\" target=\"_blank\" rel=\"noopener\">Programa de energ\u00eda verde SBA 504<\/a> offers significant advantages when a qualified business owner implements certain energy efficiency requirements. Under this program, there is <em><u>sin l\u00edmite<\/u><\/em> to the number of SBA 504 loans or the aggregate amount of SBA dollars outstanding that a business owner can obtain.<\/p>\n<p>When a borrower meets the green energy requirements, the SBA 504 second mortgage limit increases to $5.5 million per project, with no cap on the first mortgage, allowing for substantial total loan amounts.<\/p>\n<p>For example, a business with an existing 504 loan can unlock additional SBA 504 financing by incorporating energy-saving measures such as installing solar panels or upgrading lighting and HVAC systems.<\/p>\n<p><strong>Ways to Qualify for Green Energy Financing<\/strong><\/p>\n<p>Businesses can qualify for the SBA 504 <a href=\"https:\/\/www.tmcfinancing.com\/es\/sba-504-loans\/sba-energy-efficiency-financing\/\" target=\"_blank\" rel=\"noopener\">Programa de energ\u00eda verde<\/a> through various methods, including:<\/p>\n<ul>\n<li><strong>Designing Energy-Efficient Buildings<\/strong>: Investing in construction projects that prioritize energy efficiency from the outset.<\/li>\n<li><strong>Integrating Renewable Energy<\/strong>: Utilizing renewable energy sources such as solar panels or wind turbines.<\/li>\n<li><strong>Retrofitting Existing Buildings<\/strong>: Upgrading to energy-efficient systems like LED lighting and smart technologies.<\/li>\n<\/ul>\n<p><strong>Unlimited Financing for Manufacturers<\/strong><\/p>\n<p><a href=\"https:\/\/www.tmcfinancing.com\/es\/leveraging-multiple-504-loans\/\" target=\"_blank\" rel=\"noopener\">Manufacturers can also access unlimited SBA 504 financing<\/a> without participating in the green energy program. Businesses with a manufacturer NAICS code on their tax return qualify for extra financing, providing more opportunities for expansion and economic growth.<\/p>\n<p>For manufacturers, the SBA 504 second mortgage limit also increases to $5.5 million per project and there is no limit to the number of projects or dollar amount outstanding.<\/p>\n<p><strong>Case Study: SBA 504 Acquisition via Broker Partnership<\/strong><\/p>\n<p><a href=\"https:\/\/www.harlowpdx.com\/\" target=\"_blank\" rel=\"noopener\">Harlow Caf\u00e9<\/a>, a health food restaurant in Portland, OR, secured an SBA 504 loan to purchase a new property to optimize their operations. The <a href=\"https:\/\/www.tmcfinancing.com\/es\/press\/harlow-cafe-portland\/\">Portland Business Journal<\/a> explained that this moved stemmed from a strategic partnership between <a href=\"https:\/\/www.vachergroup.com\/our_team\/\" target=\"_blank\" rel=\"noopener\">Dean Vacheresse<\/a>, a principal broker, and\u00a0<a href=\"https:\/\/www.tmcfinancing.com\/es\/\" target=\"_blank\" rel=\"noopener\">Financiamiento TMC<\/a>.<\/p>\n<p>The acquisition, totaling $1.6 million, enabled Harlow to not only secure a prime location, but also to own the property outright.\u00a0Harlow\u2019s SBA 504 loan was structured with 85% financing at a 25-year fixed rate, offering stability that is crucial for the restaurant\u2019s future.<\/p>\n<p>Dean Vacheresse is not only a CRE broker, but also a small business owner. When asked about his experience with TMC Financing he provided a 10 out of 10 satisfaction rating and has since partnered with TMC on several subsequent deals.<\/p>\n<p><strong>Why Partner with TMC Financing<\/strong><\/p>\n<p><strong>Corredores de bienes ra\u00edces\u00a0<\/strong>turn to <a href=\"https:\/\/www.tmcfinancing.com\/es\/what-is-a-certified-development-company\/\" target=\"_blank\" rel=\"noopener\">Empresas de desarrollo certificadas<\/a> (like TMC Financing) to close more deals for their small business clients in a timely and supportive fashion. TMC Financing is the #1 SBA 504 lender in the nation and has over 40 years of experience with owner-user acquisitions.<\/p>\n<p>Our SBA 504 loan experts will advocate for any small business owner looking to make the switch to property ownership and will be a guide throughout the loan process.<\/p>\n<p><a href=\"https:\/\/www.tmcfinancing.com\/es\/\" target=\"_blank\" rel=\"noopener\">Contact TMC Financing today to learn more about the SBA 504 Loan Program<\/a>, and how we can help facilitate owner-user acquisitions.<\/p>\n\n\t\t\t\t\t\t<script>\n\t\t\t\t\t\t\twindow.hsFormsOnReady = window.hsFormsOnReady || [];\n\t\t\t\t\t\t\twindow.hsFormsOnReady.push(()=>{\n\t\t\t\t\t\t\t\thbspt.forms.create({\n\t\t\t\t\t\t\t\t\tportalId: 20350719,\n\t\t\t\t\t\t\t\t\tformId: \"c649d0ff-479d-4808-88ef-da495a4e3944\",\n\t\t\t\t\t\t\t\t\ttarget: \"#hbspt-form-1776163589000-9814279068\",\n\t\t\t\t\t\t\t\t\tregion: \"na1\",\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t})});\n\t\t\t\t\t\t<\/script>\n\t\t\t\t\t\t<div class=\"hbspt-form\" id=\"hbspt-form-1776163589000-9814279068\"><\/div>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>An SBA 504 Loan Guide for CRE Brokers: The Optimal Choice for Business Owners Seeking Owner-User Property Navigating traditional lending caps can be challenging for small businesses, especially those in&#8230;<\/p>","protected":false},"author":29,"featured_media":23362,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[141,25,90,178,89],"tags":[380,8874,8876,8875,320],"class_list":["post-23355","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education","category-news-updates","category-sba","category-sba-101","category-tmc","tag-380","tag-brokers","tag-loan-guide","tag-owner-user","tag-sba"],"acf":{"related_posts":false},"yoast_head":"<!-- This site is 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