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Why Brokers
Wasatch Business Finance


Excel as a Broker with Wasatch Business Finance as Your Partner

If you're looking for a Certified Development Company (CDC) that offers SBA 504 loans and exemplary service, you won't find a better option than Wasatch Business Finance. Unlike other Utah CDCs, we prioritize superior customer service and personalized structuring solutions to help our partners succeed.

Our Approach to Working With You


At Wasatch Business Finance, we understand that timing is crucial in real estate transactions. That's why we have a proven, efficient process that helps us achieve our shared goal of closing each transaction quickly and seamlessly.

Real estate professionals, such as realtors and brokers, can enjoy various benefits when working with the SBA 504 Loan Program.


The program offers up to 90% financing at below-market fixed interest rates, attracting more buyers to properties. It also offers flexible 10-, 20-, and 25-year amortization terms on the SBA portion, without balloons.


Additionally, the SBA 504 Loan Program can help make a deal happen that might not have worked with conventional financing, providing a valuable tool for realtors and brokers to expand their business.

Advantages of the SBA-504 Loan Compared to Conventional Business Loans


The SBA-504 loan offers several key advantages over conventional business loans, including:

  1. Low down payment: With the SBA-504 loan, business owners only need to invest 10% down, while borrowing up to 90% of the total financing required, allowing them to preserve cash for their business.

  2. Longer repayment terms: SBA repayment periods are longer than conventional bank loans, with 20 years fully amortized for real estate loans and 10 years fully amortized for equipment loans. This makes the monthly loan payment more affordable, improving cash flow for small business owners.

  3. Fixed interest rate: The SBA-504 loan offers a below-market fixed interest rate.

  4. Projected income consideration: BFC considers a business's projected income in addition to historical cash flows, which is particularly beneficial for growing businesses.

  5. Secondary source of payment less critical: With the SBA-504 loan guarantee, collateral may be less critical in qualifying a borrower for a loan.


Qualifying Requirements To qualify for a SBA-504 loan, your business must:

  1. Be owner-operated.

  2. Be for-profit.

  3. Be organized as a sole proprietorship, corporation, partnership, or limited-liability corporation (LLC).

  4. Have a net worth no greater than $15 million and net profit after taxes below $5 million in the last two operating years.


When you choose Wasatch Business Finance, you're choosing a partner who is dedicated to helping your small business thrive.


Contact us today to learn more about our SBA 504 loan options and why we're the best CDC for your business needs.



"Their speed, knowledge and commitment to service is amazing. I feel like a true partner with Wasatch Business Finance."

What Sets Us Apart




Built by Lenders for Lenders


Wasatch Business Finance is Utah's only Certified Development Company (CDC) built to service the lending community.  WBF was created by commercial lenders with decades of commercial credit, underwriting, and lending experience. We understand lenders, because we are lenders.

Entrepreneurial Board of Directors


Wasatch Business Finance is Utah's only CDC with a Board of Directors that understands small business and entrepreneur needs. 80% of our board members are entrepreneurs who started small businesses from the ground up. We understand small business because we are small business owners.

No Current Lenders on Board of Directors


Wasatch Business Finance does not and will not allow anyone currently employed in the lending community to serve on its Board of Directors. We believe this is a conflict of interest. One lender should never have access to other lender's confidential and proprietary information.

A Deep Commitment to Service


We understand that real estate financing is time sensitive. We commit to providing high-levels of service, open and consistent communication, and establishing defined underwriting, approval & closing expectations.



We will never share borrower or lender information with anyone except the SBA, without written authorization. We believe in confidentiality.

At Wasatch Business Finance we know that you have a choice when seeking SBA 504 servicing and financing. We are fiercely committed to long-term, trusted partnerships and truly value each of our clients. Contact us today.

We'd Love to Work With You! Contact Us.


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