SBA 504 Loans for Commercial Real Estate

At Gellyfish Commercial we offer a broad spectrum of commercial real estate financing options.

SBA 504 loans are loans guaranteed by the Small Business Administration (SBA) to help small business owners expand and purchase large fixed assets, including commercial real estate.

If you are looking for a commercial real estate SBA 504 loan in California, Gellyfish offers comprehensive, cost-effective solutions designed to meet your requirements.

What Are SBA 504 Loans?

Also known as SBA CDC/504 loans, this financing option can be used to buy, build, or renovate commercial real estate properties. Some common applications include:

  • Purchasing existing buildings
  • Purchasing land or land improvements
  • Renovating, modernizing, or converting existing facilities
  • Refinancing debt related to an expansion of the business

What Are the Differences Between SBA 7(a) Loans and SBA 504 Loans?

While 7(a) loans are capped at $10 million, 504 SBA loans can range from $125,000 to $20 million.

The interest rates on a 504 loan are fixed, while 7(a) loans have predominantly variable rates (although there are some fixed-rates options as well).

Finally, the down payment for a 504 loan is 10 percent. By contrast, with 7(a) loans the minimum down payment is 10 percent, but you may be required to pay more than that.

Find the Commercial Real Estate Financing Solution that Works for You

Our experts will craft a personalized plan to help you achieve your goals

Who Can Apply for an SBA 504 Real Estate Loan?

Most for-profit businesses qualify for 504 loans. In the case of real estate, these are some aspects to keep in mind:

  • Businesses must have a tangible net worth of less than $15 million, with an average net income of less than $5 million after taxes for the prior two years
  • Existing buildings must be at least 51% owner-occupied
  • New buildings must be at least 60% owner-occupied
  • The project in question must create or retain jobs

Certainty of Execution in SBA 504 Loans for Commercial Real Estate

Working with Gellyfish Commercial means choosing reliability, superior service, and certainty of execution.

Whether you need to build, buy, or improve a property, our experts will help you find the alternative that works for you.

Contact us today to get started on a commercial real estate financing solution tailored to the needs of your business.

Call us at (877) 800-4493 or fill out the free online form to learn more about 504 loans or to discover our full range of financing options.


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Gellyfish facilitates the commercial cash flow of businesses of all sizes and across all industries.

Contact us today and get started on a customized financing solution designed to meet your needs.