SBA 504 Loans
Whether you’re buying a building, adding a production line, or modernizing your facilities, SBA 504 financing lets you keep more cash in your business to operate, hire, and innovate.
Build, Expand & Grow with Smart Fixed-Asset Financing
Standard March 504 Rates
10 Year
5.61%
20 Year
5.78%
25 Year
5.72%
Refinance March 504 Rates
20 Year
5.78%
25 Year
5.72%
Why Choose an SBA 504 Loan?
Grow your business without draining working capital
Whether you’re buying a building, adding a production line, or modernizing your facilities, SBA 504 financing lets you keep more cash in your business to operate, hire, and innovate.
Long-term, fixed-rate financing
Unlike short-term or variable rate loans, SBA 504 loans provide stability with fixed interest rates and terms that match the useful life of your assets — typically 10, 20, or 25 years.
Low down payment — preserve liquidity
Most projects require as little as 10% down, so you can leverage more capital for running your business and seizing opportunity.
Structured for success with trusted partners
CIC works directly with your bank and the SBA through our Certified Development Company (CDC) status — bringing the team and expertise to your financing from start to finish.
How It Works: Simple Structure, Big Impact
50%
Your bank (first mortgage)
40%
CIC (second mortgage)
10%
Your equity down payment
Business Lending For
Commercial Real Estate
Renovations & Expansions
Equipment & Machinery
Refinance Qualified Existing Debt
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