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Unlock the Secret of Easily Accessing Capital: Get the Funds You Need to Grow Your Small Business

What an SBA 504 Loan is & What it Can Do for Your Business

The SBA 504 Loan is a type of loan program that is offered by the U.S. Small Business Administration (SBA) via a Certified Development Company (CDC) to help small businesses purchase real estate and equipment. This loan program provides long-term, fixed-rate financing that can be used for a variety of business expenses, including land, buildings, and major equipment purchases.


The key benefit of an SBA 504 loan is that it allows small business owners to obtain financing with a lower down payment and longer repayment terms compared to traditional commercial loans. Additionally, the interest rates on SBA 504 loans are typically lower than other commercial loans, which can result in significant cost savings for small businesses.


Overall, an SBA 504 loan from Wasatch Business Finance (your Utah CDC) can be a great option for small business owners looking to acquire commercial real estate or equipment while minimizing their upfront costs and securing favorable financing terms.

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SBA 504 Loan Uses

Concrete Wall

construction loans

Fixed-Rate, Long-Term, Building Loans

equipment loans

Fixed-Rate, Long-Term, Equipment Loans

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working capital

Get $50-$250,000 in capital to grow your business

Concrete Wall

construction loans

10, 20 & 25 Year

Fixed-Rate, Long-Term, Building Loans to acquire or improve real estate.

equipment loans

Fixed-Rate, Long-Term loans for acquiring the equipment you need for your business.

working capital

Get $50-$350,000 in capital to grow your business and improve operations.

What You Can Finance With an SBA 504 Loan

Real Estate and Property Types

  • Office

  • Restaurant

  • Industrial / Manufacturing

  • Hospitality

  • Warehouse

  • Assisted Living / Skilled Nursing

  • Retail

  • Industrial Equipment

  • Medical

  • Self Storage

Types of Real Estate Loans We Provide

  • Real Estate Purchase

  • Tenant Improvements

  • Real Estate Refinance

  • Soft / Closing Cost

  • Industrial Equipment Finance

  • Operating Capital

  • Furniture, Fixtures & Equipment

  • Business Expansion

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Wasatch Business Finance

Check Out Our FAQ's on 504's & Eligibility Terms

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How SBA 504 Loans are structured

SBA 504 Loans Utah Wasatch Business Finance Utah CDC

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SBA 504 loans for Utah businesses are structured around a shared financing model. The basic structure requires the borrower to provide a 10% down payment. The SBA directly finances 40%, and a third-party lender, usually a bank, will finance the remaining 50% of the project.

We're Here for You!


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

Contact Wasatch Business Finance today for more information on growing your business with an SBA 504 Loan. We look forward to helping you!

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Wasatch Business Finance

Wasatch Business Finance SBA 504 Loans Utah

A Certified Development Company


Monday through Friday,

8am-5pm, MST


5288 S. Commerce Drive, Suite B-228

Murray, Utah, 84107 

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