Are you looking to finance the purchase of new real estate or machinery for your business? Or, maybe you’re seeking to make upgrades to your facility? If so, the Small Business Administration’s 504 Loan Program offers additional financing options in tandem with a conventional bank loan to several types of small business owners.

How it works is simple. The SBA 504 Loan Program splits the financing three ways: 50% is handled by a conventional lender (a bank), 40% by the Certified Development Company (that’s us here at BFC), and 10% down payment on behalf of the business owner. This program is advantageous, particularly because it requires less of a down payment than it would to get a conventional bank loan exclusively. Also, the 40% financed with BFC is fixed and typically comes with a rate that is less than you’d get with a pure conventional loan.

Sounds great, right? The SBA 504 Program is a fantastic program for business owners. However, because the SBA has stringent eligibility requirements and the SBA 504 Program criteria is often deemed complex, intimidating and exhaustive, many businesses either overlook or dismiss the SBA 504 Program in favor of something else.

Don’t make that mistake! We work extremely hard to ensure that the SBA 504 loan process is as enjoyable as possible. This means we go above and beyond the norm and pay careful attention to the needs of every business owner. We also offer total transparency and 24/7 availability during every step of the process. Lastly, we treat every client as our employer, and we’re only satisfied if our clients are.

To get started with the SBA 504 Program or to learn more, contact BFC today: 1-800-SBA-REAL or email me directly at We look forward to hearing from you!