10% down, 20–25 yr fixed for owner-occupied real estate.
SBA 504 stacks a bank first (50%), a CDC second (40%), and 10% down for owner-occupied commercial real estate. Long amortization + below-market fixed rate on the CDC portion.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Buy a $1M–$5M business with 10% down, 10-yr amortization.
Owner becomes the bank — negotiate rate, term, and structure.
Tap home equity to fund higher-yield investments.
Borrow against your stock portfolio without selling.
Speed capital for flips, bridges, and value-add plays.
Rental loans qualified on property cash flow, not personal DTI.
Raise from LPs to acquire larger assets you couldn't alone.
Use HELOC as checking account to compress mortgage payoff.