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    Own your own Building!

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  • Welcome to Capital Funding

    Your SBA 504 Loan Partner

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Loan Structure

An Example of a $1,000,000 SBA 504 Real Estate loan is provided below:

Bank Loan Capital Funding SBA (504 loan) Borrower Down Payment
% of project 50% 40% 10%
Security 1st Lien 2nd Lien
$ Amount $500,000 $400,000 $100,000
Interest Rate Market Rate Below Market Fixed Rate
Term 10-30 years 10, 20 or 25 years
Amortization 20-30 years 25 years
Bank Loan

Bank or non-bank lender - provides 50% of the project financing with the interest rate being fixed or variable.

SBA 504 Loan

Loan may finance up to 40% or $5.0 million.   The interest rate will be Fixed for the term of 10, 20 or 25 years.   Manufacturing companies and new Energy Efficient Buildings may finance up to 40% or $5.5 million.


Down Payment is provided by the Business Owner.   A down payment of at least 10% of the total project cost is required in cash or equity.

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