SBA 504 Loans for U.S. Businesses
Direct answer
SBA 504 loans referred through RCR International Finance LLC are an SBA program structured for major fixed assets such as owner-occupied commercial real estate and heavy equipment. The 504 program combines a lender loan with a Certified Development Company portion backed by the SBA, supporting long-term financing of fixed assets for qualifying businesses, subject to underwriting and approval.
Cash flow or assets
Secured by
Longer
Funding speed
50 + DC
States served
Case-by-case
Underwriting
Subject to underwriting and approval.
Reviewed by the RCR International Finance LLC team
Commercial finance specialists · Last reviewed January 2026
Written to reflect how sba 504 loans actually works and checked against our editorial & compliance standards.
?Quick answer
SBA 504 loans referred through RCR International Finance LLC are an SBA program structured for major fixed assets such as owner-occupied commercial real estate and heavy equipment. The 504 program combines a lender loan with a Certified Development Company portion backed by the SBA, supporting long-term financing of fixed assets for qualifying businesses, subject to underwriting and approval.
The SBA 504 loan is a program designed specifically for long-term, fixed-asset financing, typically owner-occupied commercial real estate and major equipment. It uses a structure that pairs a conventional lender loan with a portion provided through a Certified Development Company and guaranteed by the SBA. Because it targets fixed assets, it differs from the broad-purpose 7(a) program.
SBA 504 Loans at a glance
- What it is
- Long-term financing for real estate and major fixed assets
- Secured by
- Cash flow or assets
- Funding speed
- Longer
- Coverage
- All 50 states + DC
- Rates
- No fixed rates posted
How sba 504 loans works
Project scoping
Define the real estate or equipment project to confirm it fits the 504 program.
Documentation
Gather financials and project details for the lender, Certified Development Company, and SBA.
Structuring
The lender and CDC structure the combined financing under 504 rules, subject to approval.
Closing
On approval, complete documentation and fund the fixed-asset purchase as approved.
What businesses use sba 504 loans for
The most common ways companies put this structure to work.
Buying a building the business will occupy
A frequent reason businesses turn to sba 504 loans.
Constructing or renovating an owner-occupied facility
A frequent reason businesses turn to sba 504 loans.
Acquiring heavy, long-life production equipment
A frequent reason businesses turn to sba 504 loans.
Refinancing eligible fixed-asset debt under program rules
A frequent reason businesses turn to sba 504 loans.
Is sba 504 loans right for you?
Best for
- Businesses purchasing owner-occupied commercial real estate
- Companies acquiring major long-life equipment
- Owners seeking long-term, fixed-asset financing
- Qualifying small businesses meeting SBA standards
Not best for
- General working-capital needs unrelated to fixed assets
- Businesses needing fast, short-term funding
- Ventures that do not meet SBA eligibility standards
Cost & structure
What drives the cost, and why we don't post a rate
RCR International Finance LLC does not guarantee approval, rates, or funding amounts. Terms are determined case by case after review.
The 504 structure pairs a conventional lender loan with a CDC portion backed by the SBA.
The program is oriented toward long-term financing of fixed assets rather than working capital.
Terms and the guaranteed portion follow SBA 504 program rules and the participating parties.
Compare sba 504 loans to the alternatives
See how this structure stacks up against the options businesses weigh it against.
More about sba 504 loans
Common ways companies put SBA 504 loans to work include buying a building the business will occupy, constructing or renovating an owner-occupied facility, acquiring heavy, long-life production equipment, and refinancing eligible fixed-asset debt under program rules. In each case the goal is the same: convert a future or illiquid value, a receivable, an asset, a confirmed order, or a property, into capital you can use today, without giving up control of the business.
The 504 structure pairs a conventional lender loan with a CDC portion backed by the SBA., The program is oriented toward long-term financing of fixed assets rather than working capital., and Terms and the guaranteed portion follow SBA 504 program rules and the participating parties. Because of these variables, RCR International Finance LLC reviews each request individually instead of quoting a single posted figure. RCR International Finance LLC does not guarantee approval, rates, or funding amounts. Terms are determined case by case after review.
Preparing the right documentation speeds everything up. For SBA 504 loans, underwriting commonly reviews business and personal tax returns, property or equipment purchase details, profit and loss statement and balance sheet, and recent business bank statements. Having these ready lets RCR International Finance LLC assess the opportunity quickly and discuss realistic structures with you. RCR International Finance LLC can help evaluate options based on your business profile, cash flow, collateral, and goals.
Documents for sba 504 loans
- Business and personal tax returns
- Property or equipment purchase details
- Profit and loss statement and balance sheet
- Recent business bank statements
- Government-issued ID for ownership
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Industries that use sba 504 loans
Manufacturing
Buying or upgrading production machinery and automation
Explore →Wholesale Distribution
Buying inventory in bulk to capture supplier discounts
Explore →Hospitality
Financing property acquisition or renovation
Explore →Healthcare
Financing clinical, imaging, and diagnostic equipment
Explore →Automotive
Buying lifts, diagnostic, and shop equipment
Explore →Food and Beverage
Buying production, packaging, and refrigeration equipment
Explore →SBA 504 Loans by metro
SBA 504 Loans is available nationwide. Explore it in major U.S. markets:
- SBA 504 Loans in New York, NY
- SBA 504 Loans in Los Angeles, CA
- SBA 504 Loans in Chicago, IL
- SBA 504 Loans in Houston, TX
- SBA 504 Loans in Dallas, TX
- SBA 504 Loans in Phoenix, AZ
- SBA 504 Loans in Philadelphia, PA
- SBA 504 Loans in San Antonio, TX
- SBA 504 Loans in San Diego, CA
- SBA 504 Loans in Atlanta, GA
- SBA 504 Loans in Miami, FL
- SBA 504 Loans in Seattle, WA
- SBA 504 Loans in Denver, CO
- SBA 504 Loans in Detroit, MI
- SBA 504 Loans in Boston, MA
- SBA 504 Loans in Charlotte, NC
- SBA 504 Loans in Columbus, OH
- SBA 504 Loans in Indianapolis, IN
- SBA 504 Loans in San Francisco, CA
- SBA 504 Loans in Austin, TX
- SBA 504 Loans in Fort Worth, TX
- SBA 504 Loans in Jacksonville, FL
- SBA 504 Loans in Nashville, TN
- SBA 504 Loans in Memphis, TN
Key takeaways
- SBA 504 Loans sba 504 loans referred through rcr international finance llc are an sba program structured for major fixed assets such as owner-occupied commercial real estate and heavy equipment.
- It fits best when you businesses purchasing owner-occupied commercial real estate and is a weaker fit when general working-capital needs unrelated to fixed assets.
- Common documents include business and personal tax returns, property or equipment purchase details, profit and loss statement and balance sheet.
- All financing is subject to underwriting and approval; RCR International Finance LLC does not publish fixed rates or guarantee approval.
Proven Track Record
$566M+ funded across 78+ real closings
Results over claims. See genuine, closed SBA 504 loans transactions, anonymized by business type, that RCR International Finance LLC has funded.
Explore sba 504 loans for your business
SBA 504 loans referred through RCR International Finance LLC are an SBA program structured for major fixed assets such as owner-occupied commercial real estate and heavy equipment. Start an application or speak with our team.
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Related financing
Common questions about sba 504 loans
SBA 504 Loans FAQs
- What can SBA 504 loans finance?
- The 504 program is designed for major fixed assets, most commonly owner-occupied commercial real estate and long-life equipment. It is not intended for general working capital.
- How is the 504 program structured?
- It typically pairs a conventional lender loan with a portion provided through a Certified Development Company and backed by the SBA. The combined structure supports long-term fixed-asset financing.
- How does 504 compare to 7(a)?
- The 504 program targets fixed assets like real estate and equipment with long-term financing, while 7(a) is broad and flexible across many uses. The right choice depends on your use of funds.
- Are 504 terms or approval guaranteed?
- No. RCR International Finance LLC does not guarantee approval or rates. SBA 504 terms and eligibility are set by the SBA and participating parties and are subject to underwriting and approval.
Important disclosure
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
RCR International Finance LLC does not guarantee approval, rates, or funding amounts. Terms are determined case by case after review.