SBA 504 Loans
Oregon Business Development is an experienced company with over 50 years combined SBA experience. By using OBD, your loan will be processed quickly as we assist both the bank lender and borrower through the entire process until closing is finished.. Our goal is to get the project financed on terms that help the borrower and the bank.
With SBA 504 financing, entrepreneurs can purchase commercial real estate with a down
payment as low as 10%. The small business owner not only gets the tax benefits and
appreciation on the real estate, but also locks in occupancy costs for the long term with
financing tailored to the entrepreneur’s needs.
Low Down Payment & Enhanced Cash Flow With financing available for up to 90% of the
project cost, SBA 504 loans offer an affordable down payment, enabling the entrepreneur
to conserve working capital and retain liquidity to meet operating needs.
Long Term Financing at Competitive Interest Rates SBA 504 real estate financing is
20-year, fully amortized financing. This enables a small business owner to pay for a
facility over the long term, avoid risky loan call provisions and enjoy lower monthly
payments.
Predictable Monthly Payments SBA 504 financing allows small business owners to fix
their business occupancy costs with an attractive, 20-year, fixed interest rate.
Ownership Options Tailored to Meet Small Business Owner Needs An entrepreneur
can purchase and hold title to a building personally, in the name of the business or
even set up a holding company for the real estate. This gives the small business owner
the flexibility to maximize tax benefits of ownership and minimize liability in the
manner best suited for the entrepreneur and his company. Additionally, two or more
small businesses can receive an SBA 504 loan if they combine to create a real estate
holding company. For instance, this option works especially well for professionals
in the medical, veterinary, legal and accounting fields.