SBA 504 Loan Structure

504 loans for existing businesses are typically financed 50% by the participating commercial lender, 40% by the CDC, and 10% by the business borrower. For example, a $2,200,000 real estate project for an existing business might be structured as follows.

  Commercial Lender Wyoming Capital Access Business Borrower
Loan Amount  $1,100,000 $880,000  $220,000
Percent of Project  50%  40%  10%*
Term  Min 10 Years  20 Years  Equity
Interest Rate  Market Rate  Fixed Rate   
Collateral  1st Mortgage  2nd Mortgage   

*Start-up business OR a Special Purpose building requires 15% borrower equity
*Start-up business AND a Special Purpose building requires 20% borrower equity

An SBA 504 Loan is a powerful business financing tool that enables successful businesses to grow:

  • 90% financing preserves working capital for business expansion
  • The borrower chooses the 1st Mortgage lender based on their terms and interest rates
  • SBA loan fees are included in the 504 loan to reduce up-front cash outlay
  • Fixed interest rate on the SBA loan (10 or 20 years) for life of the loan

Contact us to schedule a free Lender Training seminar for your Commercial Lending Department. We will discuss the SBA 504 Loan Program, recent program changes, and the advantages to lenders and their small business customers.

SBA 504 Financing in Sheridan, Wyoming
SBA 504 Financing in Cheyenne Wyoming
SBA 504 Financing in Laramie Wyoming
SBA 504 Financing in Buffalo, Wyoming
SBA 504 Financing Sheridan, Wyoming
SBA 504 Financing Casper, Wyoming
SBA 504 Financing Casper Wyoming
SBA 504 Financing in Laramie Wyoming
SBA 504 Financing by WIDC Frontier
SBA 504 Financing • Wyoming Capital Access
SBA 504 Financing • Wyoming Capital Access
Big Horn Psychological Services • Sheridan Wyoming

SBA 504 Financing • First Federal Bank & Trust & Wyoming Capital Access

Breeze Thru Car Wash • Cheyenne Wyoming

SBA 504 Financing • Bank of Colorado & Wyoming Capital Access

High Plains Psychological Services • Laramie Wyoming

SBA 504 Financing • First Interstate Bank & Wyoming Capital Access

Nite Owl Garage • Buffalo Wyoming

Direct Loan Financing • Security State Bank & Wyoming Capital Access

Price Solar & Electric • Sheridan Wyoming

Direct Loan Financing • Security State Bank & Wyoming Capital Access

River Rock Dental • Casper Wyoming

SBA 504 Financing • Platte Valley Bank & Wyoming Capital Access

River's Edge RV & Cabin Resort • Casper Wyoming

SBA 504 Financing • Jonah Bank of Wyoming & Wyoming Capital Access

Simple Start Childcare • Cheyenne Wyoming

SBA 504 Financing • First Interstate Bank & Wyoming Capital Access

Specialty Counseling & Consulting • Cheyenne Wyoming

SBA 504 Financing • First Interstate Bank & Wyoming Capital Access

Whitney Plaza Dental • Sheridan Wyoming

SBA 504 Financing • Security State Bank & Wyoming Capital Access

Wyoming Oral & Maxillofacial Surgery • Casper Wyoming

SBA 504 Financing • First Interstate Bank & Wyoming Capital Access

Contact

Wyoming Capital Access
725 E 2nd Street, Suite 100
Casper, WY 82601
307-234-5351
1-800-934-5351

FAX: 307-234-0101

Contact

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