504 Certified Development Loans
Small Business Administration
To assist small business concerns by providing long-term, fixed-rate financing for fixed assets through the sale of debentures to private investors.
Jargon-free version
Helps small businesses get long-term loans for buying or improving buildings and equipment. Loans can be up to $5.5 million through community partners.
Quick Facts
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What Is This Program?
What Benefits Are Offered?
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📋What Are the Application Steps & Timeline?
- 📝Steps to Apply
- Find a Certified Development Company (CDC) in your area.
- Prepare your business plan and financial statements.
- Submit your application to the CDC.
- Provide any additional documentation as requested by the CDC.
- 🌐Application Portal
- http://www.sba.gov/funding-programs/loans/504-loans
- 📤Submission Method
- in-person
- 🔄Intake Type
- fixed-deadline
📄What Documents Are Required?
- ✅Required Documents
- SF-424 (Application for Federal Assistance)
- SF-424A (Budget Information - Non-Construction)
- SF-424B (Assurances)
- Project Narrative
- Budget Narrative
- indirect cost rate agreement
- IRB approval letter
- environmental review
- 📐Format Requirements
- PDF only, max 10MB
- ✉️Supporting Letters
- Letters of support/reference may be required.
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💰What Expenses Are Eligible?
- 🧾Eligible Expenses
- Purchase or construction of existing buildings or land
- New facilities
- Long-term machinery and equipment with a useful remaining life of a minimum of 10 years
- Improvement or modernization of land, streets, utilities, parking lots and landscaping
- Existing facilities
- 🚫Ineligible Expenses
- Working capital or inventory
- Consolidating, repaying or refinancing debt that does not meet the definition of "qualified debt"
- Speculation or investment in rental real estate
- Financing of AI-related working capital, intellectual property, or consulting services soft costs
- 💳Payment Model
- mixed
🤝Is Matching Funding Required?
- 🔀Matching Required
- Yes
- 📊Matching Ratio
- 25% minimum
- 🏦Eligible Matching Sources
- cash
- in-kind contributions
- 📚Stacking Rules
- Can combine with other government funding
- 🛡️Proof of Matching Required
- Documentation of funds and contributions
📊What Are the Reporting Requirements?
- 🗓️Reporting Frequency
- annual
- 📑Reporting Requirements
- SF-425 Federal Financial Report
- performance progress report
- 🔍Audit Requirements
- OMB Uniform Guidance Single Audit if the recipient expends $750,000 or more in federal awards.
- 📢Branding Requirements
- Acknowledgment of federal funding is required.
- 🗄️Record Retention Period
- 3 years post-final-report
How Do I Apply?
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FAQFrequently Asked Questions
Visit the program page for detailed eligibility requirements.
This program offers funding up to $9,999,999,999 (minimum $5).
This program accepts applications on a rolling basis.
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