504 Loan Calculator

Use our SBA 504 loan calculator to estimate your down payment and monthly payments for commercial real estate or equipment purchases. See how the 50/40/10 financing structure works for your project with long-term fixed rates and terms up to 25 years.

SBA 504 Loan Calculator | FBDC

How the SBA 504 Loan Program Works

The SBA 504 Loan provides long-term, fixed-rate financing for major fixed assets. A typical project is financed with 50% from a bank, 40% from the SBA (through FBDC), and just 10% down from the borrower.

Project Details

January 2026 SBA 504 Rates
25-Year
5.856%
20-Year
5.913%
10-Year
5.672%
Special purpose properties or startups may require additional equity
$
$
7.50%
5.00%12.00%
5.86%
4.00%9.00%

Your Financing Estimate

Estimated Total Monthly Payment
$0
per month (P&I)
Financing
Structure
Breakdown
50%
40%
10%
Bank Loan
SBA 504 (FBDC)
Your Equity
Total Project Cost
Real Estate$0
Soft Costs$0
Total Project Cost$0
Financing Structure
BankFirst Mortgage (50%)$0
FBDC504 Debenture (40%)$0
YouDown Payment (10%)$0
Monthly Payments (Principal & Interest)
Bank Loan @ 7.50% / 25 yr$0
SBA 504 @ 5.86% / 25 yr$0
Total Monthly Payment$0

Ready to see if you qualify? FBDC has helped Florida businesses secure over $14 billion in SBA 504 financing since 1989.

Schedule a No-Risk Consultation
(813) 348-0660
info@fbdc.net
Disclaimer: This calculator provides estimates only and should not be considered a loan commitment. Actual amounts, rates, and terms are subject to underwriting approval. SBA 504 rates are fixed at funding and set monthly. Contact FBDC for current rates. Florida Business Development Corporation is a non-profit CDC established in 1989 to administer the SBA 504 Loan Program.

Trusted By Lenders Across The Southeast

Testimonials

Client Successes That Speak Volumes

MW
I had the pleasure of working with Dana for over 7 years. You can't ask for a more honest, dedicated, knowledgeable and professional person working for and with you. Her work over the years has always been top notch and you can always trust on her to take care of your customers in a professional, friendly way.
Monique Walsh
SBA Lending Group
RC
My gratitude goes to Armando Martinez and the Florida Business Development Corp-team. We recently closed on a SBA-backed commercial property structured utilizing FBDC whose discipline to their purpose, resourcefulness, and dedication provided the successful conclusion. Great to work with true professionals; highly organized, always communicative and well-connected in the industry. Thank you FBDC.
Rob Conrad
Encore Optical Laboratories
RC
I enjoy working with Daniel Martinez and his team at the Florida Business Development Corporation (FBDC). Daniel is hands on, very meticulous and responsive. Renee Madormo is a seasoned and very efficient administrator. Together they provide a customer experience to our mutual clients that is second to none. As partners, they make the application process easy for our clients from the start of the process through the closing: their turnaround time on underwriting is quick, they facilitate the communication with the SBA representatives & attorneys and ensure the deadlines for the debenture funding is on time.
Ramsey Chabbar
Bank of Tampa
DM
The 504 program was the perfect fit for SiteREADY to help retain our operating capital and grow our business. The FBDC team was a pleasure to work with by helping us to get approved and closed quickly. We highly recommend them for your real estate project!
Dylan McCrory
SiteREADY
JD
I like to use the 504 program when a client prefers to put less down on equipment or real estate. Part of the loan gets a great long term fixed rate and the fees can be financed. Florida Business Development Corp has a great team from top to bottom. They are always willing to answer any questions and I trust them to speak directly to my clients. Not only do they help during the approval and closing process they are there during the servicing of the loans as well. FBDC has a very knowledgeable staff and is a great resource to answer all of my SBA 504 questions.
Jim Downey
US Ameribank

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Let's connect and see how we can help you and your business grow today!

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Your Source for SBA 504 Lending

FBDC is a private, non-profit Certified Development Company established in 1989 to administer the Small Business Administration (SBA) 504 Loan Program. In addition to the 504 Loan Program, FBDC is active in the economic development in the community in which it serves.

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