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With a low down payment, low fixed interest rate and fully amortized loan, you will have more capital available to expand your business. Not only are there tax advantages, but a real estate purchase with a fixed rate loan results in overall lower and predictable occupancy costs. The lender provides first mortgage funding of 50% of the total project cost, with SBA funding 40% of the project cost (the second deed of trust at a below-market fixed interest rate).
Advantages of purchasing real estate:
- Appreciation in real estate purchased
- Tax advantages
- Fixed occupancy costs
Advantages of the SBA 504
- 10% down payment
- Below-market fixed interest rate
- Fully amortizing 20-year loan
- Bank interest rate on the first can be lower than conventional financing
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