GRANTRADAR/Grant Programs/SBA 504 Commercial Real Estate Loan
FederalLoan / Loan GuaranteeStackable

SBA 504 Commercial Real Estate Loan

Administered by US Small Business Administration · Federal Program

BENEFIT
Up to $5.5M
Deadline type: rolling

Eligibility Requirements

  • 1Borrower must be a for-profit small business (net worth < $20M)
  • 2Covers up to 40% of project cost at below-market fixed rate
  • 3Real estate must be owner-occupied (51%+)
  • 410, 20, or 25-year terms available

Eligible Project Types

CommercialIndustrialMixed Use
STACKING POTENTIAL

SBA 504 Commercial Real Estate Loan is stackable — it can be combined with other federal, state, and local programs on the same project. Michigan and Ohio projects commonly stack this federal credit with state brownfield TIF, historic tax credits, and local abatements to maximize total incentive value. Use GrantRadar to see your full stack.

Source: US Small Business Administration official program page ↗ · Last verified 2026-04-01
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STACKABLE WITH
Federal Historic Tax Credit
20% credit · Tax Credit
New Markets Tax Credit
39% credit · Tax Credit
Opportunity Zone Program
Negotiated / contact agency · Tax Abatement / Other
Federal Low Income Housing Tax Credit
Negotiated / contact agency · Tax Credit
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