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SBA 504

Explore 504 Loan Solutions

Building or Equipment Acquisition

You can use an SBA 504 loan to buy that new storefront you've had your eye on.

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Construction or Renovation

The SBA 504 loan can be used for new construction, renovations or other improvements. Business owners may build commercial property from the ground up or expand existing facilities.

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Special Purpose Properties

The 504 can help you purchase land that has a very specific purpose like a gas station or laundromat.

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Refinance Commercial Real Estate Loan
With the SBA 504 loan refinance program, you can not only refinance debt but also cash out up to 20% of the value of the property for working capital needs.
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Energy Efficiency Project
Whether you need business financing to improve your building’s energy consumption, build a renewable energy source, or construct “green” buildings, this initiative can give you the support you need.
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sba 504

It’s our pleasure to help grow your business

Let’s say you own a food truck but your dream is to open a restaurant. We can make that happen. 10% cash down frees up cash to operate in the short term. We’ll provide you with a below market, fixed rate that is fully amortized with no additional collateral required. This means you can buy that building instead of renting it, use the savings to invest back into your business and enjoy a nice. little tax break come tax season. This is just one solution the 504 loan can provide. If you have a vision for your business and need some extra funding to realize that vision, we can help secure your funding.

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This is how it works

01

Gather Documents

We will start working on your preliminary loan approval within 24 hours of receipt of your loan application, 3 years business financial statements or tax returns, a schedule of business debt, and authorization to obtain credit reports.

02

Collaborate with the bank

The AZCS project team collaborates with the bank and the borrower to obtain final SBA 504 loan approval and achieve the scheduled close of escrow date. Our records its loan documents at bank close of escrow.

03

Funding

The SBA 504 loan is funded to pay off the bank’s interim loan when the project is completed and a Certificate of Occupancy is obtained. We can fund your SBA 504 loan as quickly as 45 days from the time of occupancy.

The interest rate on our SBA 504 loan is determined a week before the scheduled funding date. Loans are funded once per month and loan payments begin on the first day of the following month.

Why a 504 Small Business Loan?

  • Low fixed interest rate
  • Preserve cash flow
  • lower monthly rental cost
  • No balloon payments
  • Manageable and predictable monthly payments
  • Premium Customer Service
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The 504 loan covers many different uses. Our payment calculator will give you rough estimates. The best way to find out if the 504 is the right tool is to talk to one of our experienced loan officers.

Client Testimonials

We’ve used Arizona Capital Source more than once and couldn’t be happier with the results. The team was always available and were great partners in the process. Using the 504 significantly reduced the cash requirement that we were able to redirect to the business and on both projects the bank was able to provide better terms than we were offered without the 504. It’s a great program and ACS got it done efficiently and effectively. We look forward to working with them in the future.
David Crum, Scottsdale Aiden
504 Refinance with Major Improvements
You guys were able to get everything related to a loan moving quickly. It was a very fast process.
Dillinger Brewing Company
We appreciate Growth Partners being part of our amazing theatre renovation project. I felt well taken care of by the GPAz team and appreciate all the work, advice, and education they shared with me.
Live Theatre Workshop
We appreciate Growth Partner’s mission of helping small business borrowers that are not yet bank ready. As a CDFI, Growth Partners can help small businesses become bankable over time.
National Bank of Arizona
We had challenges when we applied for our first loan but they were willing to take the risk and work with us. The staff and board were responsive and made the process easy.
International School of Tucson
We had just received a Small Business Success Loan from Growth Partners in early March 2020 to expand our business. By mid March, our business declined significantly due to Covid 10. Growth Partners was a great source of advice on how to handle federal EIDL and PPP loans, and offered an early payoff without penalties for the GPAz loan since we can’t expand at this time.
Fox in a Box Tucson
Small Business Success Loan
People often ask me how I started LET’S SWEAT and I always credit the SBA process. It was the process of writing the business plan, getting the city and state registration and insurances, all of which are required by the SBA (many of which I would never have known about until it was too late) that guided me as a first me business owner. So thank you SBA and Arizona Capital Source!
Michelle and Soleil, Owners of LET’S SWEAT
SBA 7a Start-Up Loan
Being a start-up business, we knew that one of the first things we would need is an SBA loan. Once we secured our loan with Arizona Capital Source, we were able to finalize other details and open for business shortly afterwards.
Emily & Lindsey, Owners of GenuWine
SBA 7a Start-Up Loan
Arizona Capital Source supported my growth plan of opening a 3rd location by providing me the necessary startup capital to take my business to the next level. We saw a 35% increase in total sales from the first year of business and continue to see month over month increases. This increase not only allows a steady cash flow during the non-peak months, but I have been able to hire and retain a staff of 8 year round team members. WIN, WIN for everyone!
Kim Gilbert, Owner of The Honey Baked Ham Company
SBA 7(a) Loan Finances Franchise Restaurant Expansion
We’ve used Arizona Capital Source more than once and couldn’t be happier with the results. The team was always available and were great partners in the process. Using the 504 significantly reduced the cash requirement that we were able to redirect to the business and on both projects the bank was able to provide better terms than we were offered without the 504. It’s a great program and ACS got it done efficiently and effectively. We look forward to working with them in the future.
David Crum, Scottsdale Aiden
504 Refinance with Major Improvements
You guys were able to get everything related to a loan moving quickly. It was a very fast process.
Dillinger Brewing Company
We appreciate Growth Partners being part of our amazing theatre renovation project. I felt well taken care of by the GPAz team and appreciate all the work, advice, and education they shared with me.
Live Theatre Workshop
We appreciate Growth Partner’s mission of helping small business borrowers that are not yet bank ready. As a CDFI, Growth Partners can help small businesses become bankable over time.
National Bank of Arizona
We had challenges when we applied for our first loan but they were willing to take the risk and work with us. The staff and board were responsive and made the process easy.
International School of Tucson
We had just received a Small Business Success Loan from Growth Partners in early March 2020 to expand our business. By mid March, our business declined significantly due to Covid 10. Growth Partners was a great source of advice on how to handle federal EIDL and PPP loans, and offered an early payoff without penalties for the GPAz loan since we can’t expand at this time.
Fox in a Box Tucson
Small Business Success Loan
People often ask me how I started LET’S SWEAT and I always credit the SBA process. It was the process of writing the business plan, getting the city and state registration and insurances, all of which are required by the SBA (many of which I would never have known about until it was too late) that guided me as a first me business owner. So thank you SBA and Arizona Capital Source!
Michelle and Soleil, Owners of LET’S SWEAT
SBA 7a Start-Up Loan
Being a start-up business, we knew that one of the first things we would need is an SBA loan. Once we secured our loan with Arizona Capital Source, we were able to finalize other details and open for business shortly afterwards.
Emily & Lindsey, Owners of GenuWine
SBA 7a Start-Up Loan
Arizona Capital Source supported my growth plan of opening a 3rd location by providing me the necessary startup capital to take my business to the next level. We saw a 35% increase in total sales from the first year of business and continue to see month over month increases. This increase not only allows a steady cash flow during the non-peak months, but I have been able to hire and retain a staff of 8 year round team members. WIN, WIN for everyone!
Kim Gilbert, Owner of The Honey Baked Ham Company
SBA 7(a) Loan Finances Franchise Restaurant Expansion

SBA 504 Backed Loans Simplified.

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Your Business' Legacy is Our Success

Phoenix, Arizona

7228 N. Dreamy Draw Dr, 85020

phone - 602.381.6292

Tucson, Arizona

333 N. Wilmot Rd, Suite 227, 85711

phone - 520.623.3377

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