25-Year Fixed Rate Standard:

25-Year Fixed Rate Refinance:

20-Year Fixed Rate Standard:

20-Year Fixed Rate Refinance:

10-Year Fixed Rate Standard:

10-Year Fixed Rate Refinance:

Official monthly SBA 504 effective interest rate tables can be found at 鹰 合规管理有限责任公司. 25- and 20-year term loans fund every month; 10-year term loans fund every other month. Effective interest rates are inclusive of servicing fees, which are subject to 申请人的信用风险.

Servicing the States of Alabama, 佛罗里达, and Georgia.

SBA 504十大正规赌平台平台计划 for Lenders & 信用合作社

需要十大正规赌平台平台优势? We Can Help You Remain Competitive in the Small Business Lending Market.

Sometimes traditional lending methods just don’t fit. The SBA 504十大正规赌平台平台计划 is a great alternative that can help commercial lending organizations and credit unions retain and attract customers, assist in risk and liquidity management and provide fee and interest income.

By working with 佛罗里达 First Capital/First Capital Finance, you can provide up to 90% financing for eligible fixed asset purchases, such as commercial real estate and heavy duty 机械设备, to small business customers who might otherwise be unable to find long-term credit to grow and expand.


  • A commercial lender or credit union typically finances 50% of the project cost and takes a first mortgage position on the assets financed with a minimum term of 10 years for real estate and seven years for fixed heavy duty 机械设备.
  • 佛罗里达 First Capital/First Capital Finance/SBA typically finances 40% of the project cost up to a $5.5 million cap and takes a second mortgage position with terms up to 25 years for real 地产及设备. The 504 loan rate is fixed with level debt payments.
  • The borrower puts in as little as 10% equity.
  • There is no limit on overall project size.

Benefits for Our Lending Partners

  • Ability to offer up to 90% long-term financing for the purchase of commercial real estate, heavy duty 机械设备 and other eligible fixed assets.
  • Expands your business loan portfolio.
  • Minimizes collateral risk; puts your lending organization in a first lien position with an attractive 50% LTV.
  • Lending organization makes its own credit decisions with its own loan documentation.
  • Lending organization sets its rates and fees.
  • Earn fees and interest income on interim loans related to the project.
  • 佛罗里达 First Capital/First Capital Finance can work directly with the 504 applicant, saving your staff valuable time.
  • Helps manage lending limits and industry exposure.
  • The 504过桥十大正规赌平台平台计划 (available in 佛罗里达 only) provides our lending partners with bridge loan funds to cover all or part of the second mortgage during the interim period of the 504 project until the permanent SBA second mortgage takeout occurs. 细节.

Explore Your Small Business Loan Possibilities