SBA 504 Program

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     ​At United Capital America LLC, we structure and submit SBA 504 loan packages designed to fuel substantial growth through strategic fixed-asset investments. Whether you’re acquiring commercial real estate or investing in heavy equipment, the 504 Program offers long-term, fixed-rate financing with clear pathways to expansion.
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​Program Highlights

Term:
  - Up to 25 years (250 monthly payments) with no prepayment penalties

Loan Amounts: 
  - From $350,000.00 to $20,000,000.00

Rates:
  - Starting from 6.25%, customized to credit strength and collateral

Leverage:
Up to 90% Loan-to-Value (LTV) overall

Eligibility at a Glance
To qualify under the 504, your business must:

• Operate as a for-profit entity in the U.S. or its territories
• Have tangible net worth < $20 million
• Average net income < $6.5 million after taxes over the past two years
• Meet SBA size standards and demonstrate sound operations, capable management, and repayment ability

Excluded: Nonprofits, speculative ventures, or passive investment businesses.

Why Choose the 504 Over Other SBA Loans?

• Unlike SBA 7(a), the 504 is purpose-built for major fixed assets, not working capital or general business acquisitions.
• Fixed rates mitigate interest rate volatility, critical for cash flow modeling on long-horizon projects.
• Larger loan sizes and longer amortizations directly support property-heavy or equipment-driven growth strategies.

Our Role
We prepare institutional-grade 504 packages that align with SBA, lender, and CDC underwriting requirements. From assembling the capital stack to coordinating appraisals and environmental reports, we drive an efficient process that minimizes friction and accelerates funding timelines.

​Stipulations
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  - Completed initial application form: LINK for all principals / entity members
  - Latest Personal Taxes
  - Business Taxes 2023
  - Business Taxes 2024 Or
    - Proof of extension (Extension letter)
    - Profit & Loss statement 2024
    - Balance Sheet 2024
  - Comprehensive research report 
  - Detailed business plan including projected Profit & Loss for the project (you can use this template: LINK)
  - Articles of Incorporation (or entity formation documents)
  - Signed Operating Agreement for all members of the entity (if applicable)
  - Proof of reserves, such as owner’s investment statements (bank, brokerage, 401k, etc.)
  - Borrower’s attorney contact information (if applicable)
 
For Real Estate,
  - Purchase Property/Land Letter of Intent (LOI)
  - Recent property appraisal or valuation report
  - Property inspection report
  - Environmental reports (if applicable)
  - Developer biography showing real estate development experience
  - Permit status or expected entitlement timeline (if available)
  - Comprehensive property research report (comparables, zoning data, tax records, or MLS information)
  - Detailed business plan including projected Profit & Loss for the project (use this template: LINK)
  - Arquitectural plans or site renderings (if applicable)
  - Contractor’s construction plan with full budget and estimated timeline
  - Active general contractor license
  - General contractor’s insurance certificate with at least $1 million in general liability coverage

For Equipment,
  - Purchase Letter of Intent (LOI) or sales agreement
​  - Business plan or summary showing how the equipment will generate revenue
  - ​Buyer’s biography and experience with similar equipment
  - Active business licenses (if applicable)
  - Current Asset List (use this template: LINK)

Similar SBA Programs

SBA 7(a)

SBA 7(a) Micro

SBA EIDL

Ready to move forward?

Complete our Business Registration Form and select SBA Loan. You’ll automatically receive a follow-up form to upload the required documentation.​

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