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Grow Your Small Business with SBA 504 Loans

We understand the unique financial needs of small enterprises, and our tailored solutions are designed to propel your business to new heights.
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commercial hard money loans

SBA 504 Loans

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The program is designed to foster economic development by providing affordable, long-term financing options for small businesses.
Loan Up to
$5,500,000
Competitive Interest Rates
Up to 85%
LTV
Streamlined
Processes
Best Loan for
Small Businesses

SBA 504 Loans Requirements

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SBA Loan Amount
Secure up to $5.5 million of the total project cost through the SBA component.
Flexible Terms
Benefit from a flexible term ranging from
10 to 20 years, tailored to suit your business
needs.
Loan Terms
Real Estate: 20-year term; the bank portion
must be a minimum of 10 years.
Borrower Contribution
Minimum 10%, unless:

1. The operating company has been in business
for less than 2 years, then 15%.

2. The project involves a limited or single-purpose building, then 15%.20% if it's both a new business
and a special-purpose property.
Leasing/Owner Occupancy
1. 51% owner occupancy required for projects
involving the purchase of an existing building.

2. For new construction, the borrower must
occupy 60% immediately, an additional 20%
within 3 to 10 years, and the remaining 20%
may be leased permanently.
Eligible Business
1. For-profit corporations, partnerships, and proprietorships.

2. 51% ownership must be U.S. citizens or legal permanent residents.
Ineligible Business
1. Certain passive income businesses.

2. Non-profit businesses.
504 Refinance
1. LTV: Maximum 90% financing.

2. Cash provision limited to 50% LTV for debt
refi and a maximum of 25% LTV for cash-out.

3. Debt being refinanced must have been in
existence for at least 2 years.

4. Loan payments must be current for the last 12 months.

Features of SBA 
504 Loans

Low Down Payment

Minimize upfront costs with a low down payment structure.

Attractive Fixed Interest Rate

Access an appealing fixed interest rate, enhancing financial predictability.

Preserve Working Capital

Conserve your working capital for essential business operations and growth.

Customized Property Solutions

Whether you aim to purchase a building, buy land for development, or customize your property, SBA 504 Financing empowers you to shape your business environment.

Eligible Commercial
Projects We Fund

Apartment Loans

Multifamily loans

Hotel Loans

Mobile Home Parks

Industrial Property Loans

Shopping Complexes

Restaurant Loans

Mixed Use

Office Property Loans

Retail Property Loans

Location
We Cover

50

States & US Territories

Capital Investors Direct provides commercial hard money loan financing options in the following geographic locations of the United States:

200

200 MSA Tier I & Tier II Cities

Maryland, Texas, Florida, Utah, Colorado etc. We offer CRE Bridge Loan in top cities like Denver, Chicago, Colorado, San Diego etc.

How it Works?

Capital Investors Direct funds different commercial properties across the country. Below are few commercial properties we lend hard money for –
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01

Fill Out the Form

Apply for a commercial property loan in
5 minutes by filling out the form

02

Get Approval

We will get back to you within 24 hours
with a written disclosure of all loan terms

03

Loan Funded

Within days, the money will be credited
to your account.

Why Choose Us?

We go above and beyond to add to our list of satisfied customers and ongoing clientele We go above and beyond to add to our list of satisfied customers and
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01

Expertise in Small Business Financing

Our team understands the unique challenges and opportunities that small enterprises encounter.
02

Flexible Financing Solutions

Capital Investors Direct offers flexible financing solutions to meet the diverse needs of small businesses.
03

Streamlined Application Process

Experience a smooth and efficient application process with Capital Investors Direct. We simplify the paperwork and guide you through the steps, ensuring a hassle-free experience.
04

Competitive Interest Rates

We strive to provide cost-effective financing options to support the financial health and growth of your business.

Blogs & 
Articles

Capital Investors Direct funds different commercial properties across the country. Below are few commercial properties we lend hard money for –
FHA loans
Minimum Credit Score Required to Qualify for FHA Loans
David Cohn
CMBS Loans
Understanding CMBS Loans
David Cohn
Asset-Based Lending
A Guide to Asset-Based Lending in Commercial Real Estate
David Cohn

Get Quick Approval For Commercial Real Estate Loan

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We are here to work for the new world that is currently being shaped by digital transformation. While the industry is dealing with the change, we have adapted and transformed ourselves to offer the best solutions in the country.
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1201 Seven Locks Rd
Suite 360 Rockville,
MD 20854
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