California's Leading SBA 504 Lender
Own the Building.
Grow the Business.
BFC specializes in long-term fixed-rate SBA 504 financing that helps California businesses invest in their future with confidence.
October 2026
Current SBA 504 Rates
25-Year
6.97%
20-Year
6.97%
10-Year
6.60%
WHY CHOOSE BFC?
Your Trusted SBA 504 Partner
BFC is California's leading SBA 504 loan expert, with over 35 years in the industry throughout multiple regions in the Golden State.
Commercial Real Estate
Purchase owner-occupied commercial property with as little as 10% down.
Low Fixed Rates
Below-market fixed rates that protect from fluctuations.
SBA Guaranteed
Backed by the U.S. Small Business Administration.
Expert Team
Dedicated loan experts guide you through every step.
Proven Track Record
Over $4.5 billion in funding for CA businesses.
Flexible Terms
10, 20, and 25-year terms to match your needs.
From the Blog
Insights on SBA 504 financing.
News, market updates, and real-world stories from California small business owners and CRE professionals.
Read the BFC BlogMonthly Rate Updates
Get new SBA 504 rates each month.
Fresh 25-Year and 10-Year debenture rates delivered to your inbox the moment they're released.
Testimonials
What Our Customers Say
"We wanted to let you know how AMAZING Carly was throughout the entire process: responsive, courteous, and professional! I dealt with three other CDC's and never encountered anyone remotely like her."
Hotel Royal
Long Beach, CA
"BFC made our SBA 504 loan process seamless. Their expertise and dedication to our business success was evident from day one."
APS Imaging Solutions
Riverside, CA
"Business Finance Capital made what felt impossible actually happen. Their team guided us through the SBA 504 process and helped us move from leasing space to owning the building our business now calls home."
Azarian Gymnastics
Aliso Viejo, CA
"Thanks to Business Finance Capital, we were able to purchase our first commercial property and invest in our future. Their expertise and support made the entire process smooth and gave us the confidence to take the next big step for our business."
Orgain
Irvine, CA
Get Started
Ready to Grow Your Business?
Speak with one of our SBA 504 loan experts today and find out how we can help you achieve your business goals.
