# Business Finance Capital (BFC)

> California's leading SBA-approved Certified Development Company (CDC), providing SBA 504 loans with low rates, low down payments, and 25-year fixed financing for owner-occupied commercial real estate.

Business Finance Capital (BFC) has funded over $4.5B in SBA 504 loans since 1982. The SBA 504 program combines a first mortgage from a conventional lender (50%), a second mortgage from BFC/SBA (40%), and as little as 10% down from the borrower — providing long-term, fixed-rate financing for commercial real estate purchases, construction, and refinancing.

## Pages

- [Home](/): SBA 504 loan overview, current rates, and program highlights.
- [SBA 504 Loan](/sba-504-loan): How the SBA 504 program works, benefits, and structure.
- [Eligibility](/sba-504-loan/eligibility): Who qualifies for SBA 504 financing.
- [Historical Rates](/sba-504-loan/historical-rates): Historical SBA 504 debenture rates.
- [SBA 504 Refinance](/sba-504-refinance): Refinancing existing commercial debt with the SBA 504 program.
- [Applications](/sba-504-loan/applications): Loan application checklist and process.
- [Loan Calculator](/calculator): Estimate payments, down payment, and total financing.
- [FAQs](/faqs): Common questions about SBA 504 loans and the funding process.
- [Business Owners](/business-owners): SBA 504 information for small business owners.
- [Brokers](/brokers): Partnership information for loan brokers.
- [CRE Developers](/cre-developers): SBA 504 for commercial real estate developers.
- [Borrowers](/borrowers): Guide for prospective SBA 504 borrowers.
- [About](/about): About BFC, our team, and 40+ year history.
- [Contact](/contact): Contact BFC's loan specialists.
- [Blog](/blog): SBA 504 news, program updates, and industry insights.
- [Resources](/resources): Downloadable guides and reference materials.

## Optional

- [Jumpstart](/jumpstart): Fast-track lead capture form.
- [Disclaimers](/disclaimers): Legal disclaimers and regulatory notices.