From 19fa5de0b05e42f4438c90c2992000dc089d0ae2 Mon Sep 17 00:00:00 2001 From: pablodalgety44 Date: Wed, 5 Nov 2025 16:36:02 +0800 Subject: [PATCH] Add What is the 504 Loan Program? --- What-is-the-504-Loan-Program%3F.md | 184 +++++++++++++++++++++++++++++ 1 file changed, 184 insertions(+) create mode 100644 What-is-the-504-Loan-Program%3F.md diff --git a/What-is-the-504-Loan-Program%3F.md b/What-is-the-504-Loan-Program%3F.md new file mode 100644 index 0000000..8a566f6 --- /dev/null +++ b/What-is-the-504-Loan-Program%3F.md @@ -0,0 +1,184 @@ +
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1. Home. +2. Funding Programs. +3. Loans. +4. 504 loans
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- Loans - Make a payment to SBA. +- 7( a) loans. +- 504 loans - List of CDCs
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504 loans
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Content
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What is the 504 loan program?
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The 504 loan program provides long-lasting, fixed rate funding for significant fixed possessions that promote organization development and task development.
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504 loans are readily available through Certified Development Companies (CDCs), SBA's community-based [nonprofit](https://immocia.net) partners who promote economic advancement within their communities. CDCs are certified and managed by SBA.
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The maximum loan amount for a 504 loan is $5.5 million.
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Am I qualified?
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To be qualified for a 504 loan, your company needs to:
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- Operate as a for-profit [business](https://dinarproperties.ae) in the United States or its possessions. +- Have a tangible net worth of less than $20 million. +- Have an average net earnings of less than $6.5 million after federal income taxes for the 2 years preceding your application
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Other basic eligibility standards include falling within SBA size guidelines, having actually certified management know-how, a practical service plan, great character and the capability to repay the loan.
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Loans can not be made to services taken part in nonprofit, passive, or speculative activities. For extra info on eligibility requirements and loan application requirements, small companies and lenders are encouraged to get in touch with a Qualified Development Company in their location.
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How do I utilize a 504 loan?
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A 504 loan can be utilized for a range of possessions that promote service development and task production. These consist of the purchase or construction of:
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- Existing structures or land. +- New facilities. +- Long-term [machinery](https://thecapetownpropertygroup.com) and equipment with a helpful staying life of a minimum of 10 years, including project-related AI-supported devices or [equipment](https://hfrontrealty.com) for manufacturing products. +- Consolidating debt under the conditions noted in 13 CFR 120.882, paragraph (e) and. +- Repaying or refinancing financial obligation specified as "certified financial obligation" under 13 CFR 120.882, paragraph (g)
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Or the enhancement or modernization of:
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- Land, streets, utilities, car park and landscaping. +- Existing centers
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A 504 loan can not be utilized for:
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- Working capital or inventory. +- Consolidating, paying back or re-financing debt that does not satisfy the meaning of "competent debt" under 13 CFR 120.882, paragraphs (e) and (g). +- Speculation or financial investment in rental real estate. +The funding of AI-related operating capital, intellectual residential or commercial property, or consulting services soft costs
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What do I require to apply?
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504 loans are readily available specifically through Certified Development Companies (CDCs). Find a CDC in your location to guarantee you are dealing with a qualified loan provider. CDCs are distinctively certified to understand 504 loan program regulations, and will assist you navigate the loan provider channels to create your project financing.
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Find a CDC near you
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Find Certified Development Companies (CDCs) licensed to release 504 loans.
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How do I repay my 504 loan?
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Active 504 loans
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Loan payment terms differ according to several factors. Borrowers with active 504 loans can make payments through the Central Servicing Agent, typically by monthly draws. Payments can also be made by wire or check.
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