SBA 504 Interest Rates | January 2023 | 10 Yr: 6.166%, 20 Yr: 6.286%, 25 Yr: 6.313% *rates may vary Learn More »

How is an SBA 504 loan structured?

In most cases, SBA 504 loans are structured in a 50/40/10 model:

50% contributed by a participating bank or lender
40% by the SBA and Dakota Business Lending
10% by the borrower

You can view more structure examples and information here.

**New businesses and special purpose properties may be subject to a structure change.

**New businesses that have been in operation for less than 2 years require an addition 5% equity injection (50-35-15)

**Special purpose properties require an additional 5% equity injection (50-35-15)

**New businesses AND special purpose properties require an additional 10% equity injection (50-30-20)