SBA 504 Loans
For Florida Law Firms

SBA 504 Loans for Law Firms: [[Just 10% Down]]

Stop paying rent that builds someone else's equity. Finance your law firm's headquarters with fixed rates locked for 25 years—and preserve capital for the cases that matter.

Fixed Rate Protection
Locked for the life of your loan
Fixed Rate Protection
Locked for the life of your loan
Check Your Eligibility
See How It Works

$14B+

Projects Funded

35+

Years Experience

60-90

Days to Close
SBA 504 Loan Structure

Finance Up to 90% of Your Building

50%
Bank
40%
SBA
10%
Bank/Credit Union
FBDC/SBA 504
You
Current 25-Year Fixed Rate

5.856%

Below market, locked for life
Get a Free Rate Quote
No obligation • Response within 24 hours
The SBA 504 Loan

A Smarter Way to Finance Your Law Office

SBA 504 Loan Structure

50%
Bank
40%
SBA
10%
Bank/Credit Union
1st Lien Position
FBDC/SBA 504
Fixed Rate
You
Down Payment
Current 25-Year Fixed Rate

5.856%

Below market, locked for life
1

Quick Eligibility Review

Speak with an FBDC specialist who understands law firm financing. We'll review your practice financials and property requirements within 24 hours.

2

Streamlined Underwriting

Our credit team handles the heavy lifting—document gathering, SBA submission, and approval coordination. Target: 14 days to SBA approval.

3

Close & Fund

Move into your new office building within 60-90 days of starting the process. We'll support you through the life of your loan.

4

Lifetime Partnership

FBDC's servicing team stays with you for the full 25 years. Questions, refinancing, future expansions—we're here.

Trusted By Lenders Across The Southeast

The Challenge

Traditional Commercial Loans Don't Work for Growing Law Practices

Most banks want 20-30% down and offer terms that strain your cash flow—capital you need for case expenses, associate salaries, and practice growth.

High Down Payment Requirements

Banks typically require 20-30% down on commercial property. For a $2M office building, that's $400,000-$600,000 tied up in real estate instead of your practice.

SBA 504: Just 10% down payment

Variable Rate Uncertainty

Most commercial loans have variable rates that fluctuate with the market. In volatile economic times, your monthly payments become unpredictable.

SBA 504: Fixed rates for the life of the loan

Short Repayment Terms

Traditional commercial mortgages often require balloon payments after 5-10 years, forcing you to refinance or pay large lump sums during critical growth periods.

SBA 504: Up to 25-year terms, no balloons
Why SBA 504 for Law Firms

Built for Practices Like Yours

The SBA 504 program was designed to help established businesses acquire the real estate they need to grow—without draining working capital.

Preserve Case Capital

Keep $200K+ in working capital available for case expenses, expert witnesses, and depositions.

Rate Protection

Lock in today's fixed rate for up to 25 years. No surprises when rates rise.

Build Equity

Stop paying rent that builds your landlord's wealth. Own an appreciating asset for your practice.

Predictable Payments

Fixed monthly costs make budgeting straightforward. Plan your firm's finances with confidence.

Check Your Eligibility
Success Stories

Florida Businesses Trust FBDC

"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 get approved and closed quickly. We highly recommend them for your real estate project!"

DM
Dylan McCrory
SiteREADY

"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."

JD
Jim Downey
US Ameribank
Ready to Own Your Practice's Future?

Schedule Your Free Eligibility Consultation

In 15 minutes, learn whether the SBA 504 program is right for your law firm—and get a preliminary estimate of your financing terms. No obligation, no pressure.

Quick eligibility determination
Estimated loan terms and monthly payment
Compare to your current lease costs
Speak with a specialist, not a salesperson

Get Started Today

Fill out this quick form and we'll be in touch within 1 business day.
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Common Questions

SBA 504 Loan FAQs for Law Firms

Does my law firm qualify for an SBA 504 loan?

Most Florida law firms qualify. Your practice must be for-profit, have a tangible net worth under $20 million, and average net profit under $6.5 million after taxes. You'll need to occupy at least 51% of an existing building (or 60% for new construction). We can determine your specific eligibility in a quick 15-minute call.

How long does the SBA 504 loan process take?

Most 504 loans close within 60-90 days from application. SBA approval typically takes 14 days after submission. FBDC's experienced team streamlines the process—we've closed over $14 billion in projects and know exactly what documentation is needed.

What are the current SBA 504 interest rates?

Current rates for the SBA 504 portion are approximately 5.856% for 25-year terms and 5.913% for 20-year terms. These rates are fixed for the life of your loan and are below typical market rates. The bank portion (50% of financing) is at market rates negotiated with your lender.

Can I use an SBA 504 loan to refinance my current building?

Yes! The SBA 504 Refinance Program allows you to refinance existing commercial real estate debt—and potentially access cash for business expenses. You must have owned and occupied the property for at least 2 years, and be current on all payments for the past 12 months.

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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