T Bank

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SBA 504 Loans: Finance Real Estate & Equipment with Long-Term Stability

As a Nationwide SBA Preferred Lender, T Bank helps entrepreneurs grow with SBA 504 loans. Perfect for major fixed-asset purchases like real estate and large equipment, these loans are designed to offer low down payments, long repayment terms, and predictable, fixed-rate stability—so you can scale your business with confidence.

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Up to $15M+ in Financing

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As little as 10% down

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25-Year Fixed Rates

Key Benefits of SBA 504 Loans with T Bank

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Large Project Financing

Fund real estate, construction, or equipment projects up to $15M+ with SBA 504 loans.

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Low Down Payment

Contribute as little as 10% equity and preserve working capital for growth and operations.

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Stable, Long-Term Rates

Lock in predictable monthly payments with up to 25-year fixed terms, making budgeting for the future simple and reliable.

Build Your Foundation: When to Choose an SBA 504 Loan

SBA 504 loans are the best option for established businesses making long-term capital investments. The program is specifically designed to help companies expand, create jobs, and build equity. Common uses include:

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  • Purchase or expand owner-occupied commercial real estate

  • Finance ground-up construction projects

  • Buy large, long-life equipment for manufacturing or operations

  • Make energy-efficient upgrades or modernizations to facilities

A Clear Path to Funding: Our SBA 504 Loan Process

The SBA 504 loan involves coordination between you, T Bank, and a Certified Development Company (CDC). Our expert team has streamlined this process to manage all coordination, ensuring your project stays on track from start to finish.

  • 1. Discovery Call

    We review your business goals and project needs.

  • Corporate Finance

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  • Financial Projections

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  • Corporate Finance

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A Clear Path to Funding: Our SBA 504 Loan Process

The SBA 504 loan involves coordination between you, T Bank, and a Certified Development Company (CDC). Our expert team has streamlined this process to manage all coordination, ensuring your project stays on track from start to finish.

1. Discovery Call

We review your business goals and project needs.

2. 48-Hour Prequal

Get a fast decision on your SBA 504 loan eligibility.

3. Application & Underwriting

Submit one application; we coordinate with the Certified Development Company (CDC) for you.

4. Third-Party Reports & Approval

We guide you through appraisals, environmental reviews, and final SBA approval.

5. Funding & Growth

Close in 75–90 days and start expanding with confidence.

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All SBA loans are subject to credit approval and SBA eligibility requirements. Stated timelines are contingent upon the applicant’s timely submission of all required documentation. Additional terms, conditions, and fees apply.

SBA 504 vs. SBA 7(a): Which is Right for You?

  • SBA 504 Loans
  • SBA 7(a) Loans
SBA 504 LoansSBA 7(a) Loans
Who is this for?Property owners, manufacturers, heavy equipment usersBusiness buyers, franchisees, service businesses, retailers
Best ForReal estate & large equipmentAll purpose business needs
Use of FundsPrimarily fixed assets; no working capital Flexible: working capital, inventory, acquisitions
Interest RatesFixed, below-market rates on the SBA portionTypically variable rates
Loan StructureTwo loans: one from T Bank, one from a CDCOne loan from T Bank
Buy NowBuy Now

Loan Officers

Cameron Brewer

Vice President
SBA/USDA/BIA National Lending

Ben Eakin

Executive Vice President
SBA/USDA National Lending

Glenn Giro

Senior Vice President - SBA National Lending
SBA University Podcast Host

Steve Jones

Market President
Commercial Lending

Kandace Moon

Senior Vice President
SBA/USDA National Lending

Patrick Phillips

Vice President
SBA/USDA National Lending

Mike Ramsay

Executive Vice President
SBA/USDA National Lending

Rod Rodriguez

Executive Vice President
SBA/USDA National Lending

Jordan Sayler

Vice President
SBA/USDA National Lending

Greg Swett

Vice President
SBA/USDA National Lending

Eric Wadley

Senior Vice President
SBA/USDA National Lending

Audrey Wendel

Market President
Professional & Executive
SBA/USDA National Lending

SBA 504 Loan Requirements & Frequently Asked Questions

A CDC is a nonprofit organization certified by the SBA to partner with lenders like T Bank to provide SBA 504 financing. They fund a portion of the loan (typically 40%) with a long-term, fixed-interest rate, which is a key benefit of the program. Our team handles all coordination with the CDC for you.

A CDC is a nonprofit organization certified by the SBA to partner with lenders like T Bank to provide SBA 504 financing. They fund a portion of the loan (typically 40%) with a long-term, fixed interest rate, which is a key benefit of the program. Our team handles all coordination with the CDC for you.

The main requirements include operating a for-profit business in the U.S., having a tangible net worth of less than $15 million, and meeting the SBA’s owner-occupancy requirements (your business must occupy at least 51% of the property). The loan must also accomplish a public policy goal, such as job creation. You can learn more about the official requirements on the SBA.gov website.

No, the 504 program is strictly for financing fixed assets. If your project requires additional funds for working capital or other business expenses, an SBA 7(a) loan may be a better fit.

Building for the Future: Our SBA 504 Success Stories

We’ve helped entrepreneurs nationwide use SBA 504 loans to expand their businesses.

Ready to Build or Expand with SBA 504 Financing?

Whether you’re purchasing property, financing construction, or upgrading equipment, T Bank’s SBA 504 expertise can help. As a Preferred Lender, we simplify the process and keep your project on track.

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All SBA loans are subject to credit approval and SBA eligibility requirements. Stated timelines are contingent upon the applicant’s timely submission of all required documentation. Additional terms, conditions, and fees apply.

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