What is an SBA 504 Loan
An SBA 504 loan helps you buy or build the space your business needs. Think commercial real estate. Think new equipment. Think room to grow.
It’s designed for business owners who want to stop renting and start owning. Or who need to upgrade equipment without draining their cash.
The loan comes with a low down payment. It also comes with a fixed interest rate. That means your payment stays the same, year after year.
Bank-level lending, SBA-backed support, and a real path to ownership — all in one package.
Rates are locked in when your loan closes. That means what you see is what you get, for the life of your loan.
Borrower's Minimum Down Payment
Financing by Birmingham City Wide, SBA-Backed
Financing By Bank
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Key Benefits + What You Can Use It For
Why Business Owners Choose the 504 Loan
Owning beats renting — and a 504 loan covers a lot of ground to get you there. Here’s what makes it different:
- Low down payment. Put down as little as 10%. Keep your cash for your business, not your building.
- Fixed interest rate. Your rate never changes. Your payment stays predictable, year after year.
- Long repayment terms. Choose 10, 20, or 25 years. Lower monthly payments. More breathing room.
- No balloon payments. No surprise lump sum down the road. Just steady, manageable payments.
- Build equity, not rent receipts. Every payment builds ownership. That's money working for you, not your landlord.
Buy commercial real estate
Your office, your storefront, your warehouse.
Construct or renovate a space
Build new. Update what you have.
Purchase heavy equipment
Machinery that keeps your business running.
Refinance existing debt
Move out of a bad loan and into better terms.
Award-Winning Expertise
Recognized by industry leaders, our award-winning team has a proven record of delivering excellence across projects.
What You Can Use It For
Award-Winning Expertise
Recognized by industry leaders, our award-winning team has a proven record of delivering excellence across projects.
Expert Team
Our team is always available to address your concerns, providing quick and solution. to keep you competitive in marketplace.
Dedicated Support
Our team is always available to address your concerns, providing quick and effective solution to keep your business.
Innovative Solutions
We stay ahead of the curve, leveraging cutting-edge technologies and strategies to keep you competitive in a marketplace.
Do You Qualify?
Most small businesses do. Here’s what it takes:
You're a for-profit business.
Nonprofits use different financing.
You'll occupy the space.
At least 51% for an existing building. At least 60% for new construction.
You meet SBA size standards.
Your business net worth and income fall under SBA limits.
You have a solid business plan.
Lenders want to see where you're headed.
We Know SBA Lending
Working with Bexon has been a game-changer for our business. Their team’s professionalism, attention to detail, and innovative solutions have helped us streamline operations and achieve our goals faster than we imagined. We truly feel like a valued partner.
The results we’ve seen after partnering with Bexon are beyond our expectations. They not only understood our vision but also brought new ideas to the table that have taken our business to the next level. Their expertise and commitment to success make them a trusted.
We’ve been working with Bexonfor years, and they continue to deliver outstanding results. Their team is proactive, responsive, and always goes the extra mile to ensure our needs are met. They’ve become a key contributor to our growth and success that really help us
Success Stories Fuel our Innovation.
Need Help? Start Here...
Getting started is easy! Simply reach out to us through our contact form or give us a call, and we’ll schedule a consultation to discuss your project and how we can best assist you. Our team keeps you informed throughout the process, ensuring quality control and timely delivery.
Getting started is easy! Simply reach out to us through our contact form or give us a call, and we’ll schedule a consultation to discuss your project and how we can best assist you. Our team keeps you informed throughout the process, ensuring quality control and timely delivery.
Getting started is easy! Simply reach out to us through our contact form or give us a call, and we’ll schedule a consultation to discuss your project and how we can best assist you. Our team keeps you informed throughout the process, ensuring quality control and timely delivery.
Getting started is easy! Simply reach out to us through our contact form or give us a call, and we’ll schedule a consultation to discuss your project and how we can best assist you. Our team keeps you informed throughout the process, ensuring quality control and timely delivery.
Getting started is easy! Simply reach out to us through our contact form or give us a call, and we’ll schedule a consultation to discuss your project and how we can best assist you. Our team keeps you informed throughout the process, ensuring quality control and timely delivery.
