SBA Eligibility

Am I eligible for an SBA 504 loan?

Nearly all for-profit businesses are eligible for the SBA 504 program.

Occupancy: For existing real estate, the applicant’s business must occupy at least 51% of the property being purchased within one year of funding.

For new construction, the applicant’s business must occupy a minimum of 60% of the property.

Size Standard: Tangible net worth of the business cannot exceed $15 million. After–tax profit for the last two years cannot exceed $5 million.

Alternatively, size standards based on number of employees can also be met.

Personal net worth of the business owner is not a factor.


TMC’s 35+ years of experience and extensive knowledge of SBA regulations can help you quickly review your eligibility. We are happy to work with you when you are just getting started, even before you find a property to purchase.

Contact our loan experts for a no-cost pre-qualification analysis, typically within 24 hours.

See SBA 504




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Own the business? Own the building.

FlexCare Medical Staffing

FlexCare Medical Staffing

Was leasing and needed room to grow: “Our cost per square foot dropped 20%,” says CEO Travis Mannon, “and rates are so low you’d be crazy not to buy.”

AutoCrib, Inc.

AutoCrib, Inc.

Unified manufacturing operations with a larger facility: “Owning is really the way to go because you get to depreciate the building in a tax-advantaged way,” says founder Stephen Pixley.

Folktale Winery

Folktale Winery

Expanded with new winery, vineyard and tasting room: “It was a challenging deal, but TMC did a great job of managing the challenges,” says owner Greg Ahn.

Rush Creek Lodge

Rush Creek Lodge

Yosemite resort opens spring 2016: “Without the SBA piece from TMC we couldn’t have gotten this done,” says owner Lee Zimmerman.