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.
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.
Special Purpose Properties
The 504 can help you purchase land that has a very specific purpose like a gas station or laundromat.
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.
Apply Today 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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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.
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
- Have more questions? Check out our FAQ Page
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
The staff at Arizona Capital were not just knowledgeable but friendly as well. Even months after the loan has closed, they are still quick to answer any questions. I have recommended them to other businesses I talk to.
Paul Canikin, owner of Canikin Distribution
Arizona Capital was helpful, there for all our needs and questions throughout the process. Ashley was great! Thank you!
Don Mohr, Owner of Mohr H20
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
Our traditional lender pulled out right before our building loan we set to close. Arizona Capital Source came in and saved us. We weren’t technically a fit for an SBA loan, but they came up with creative solutions and were able to make it happen. They kept us in the loop the whole time and it worked out perfectly. We’re now saving hundreds a month on interest.
Melanie Morgan, co-owner of Gearshifters
AZ Capital Source has been a strong partner in not only helping businesses in S. AZ grow, but offering attractive and well structured loans to the bank. We appreciate their knowledge of the SBA 504 and 7a, and their responsiveness. Their services have helped the bank earn satisfied and repeat customers.
Sean Murray, SVP, Commercial Lender at Commerce Bank of AZ
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 cannot thank Lori and everyone at Arizona Capital Source enough for helping us take the next step in the growth of our business. Investing in our first commercial building is something we know will catapult our community-driven mission to the next level. The knowledge, collaboration and thoroughness Lori provided were instrumental in making this a reality. We wouldn’t have closed if it wasn’t for Lori looking after us and setting us up with a Plan B lender. After nine months of being in escrow, it would have been devastating if things hadn’t worked out. Lori is a Godsend!
Now, we can’t wait for the Scented Leaf on Tanque Verde to become a favorite drink house and gathering space for Tucson’s East Side.
Adrienne and Shane Barela, The Scented Leaf
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
The staff at Arizona Capital were not just knowledgeable but friendly as well. Even months after the loan has closed, they are still quick to answer any questions. I have recommended them to other businesses I talk to.
Paul Canikin, owner of Canikin Distribution
Arizona Capital was helpful, there for all our needs and questions throughout the process. Ashley was great! Thank you!
Don Mohr, Owner of Mohr H20
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
Our traditional lender pulled out right before our building loan we set to close. Arizona Capital Source came in and saved us. We weren’t technically a fit for an SBA loan, but they came up with creative solutions and were able to make it happen. They kept us in the loop the whole time and it worked out perfectly. We’re now saving hundreds a month on interest.
Melanie Morgan, co-owner of Gearshifters
AZ Capital Source has been a strong partner in not only helping businesses in S. AZ grow, but offering attractive and well structured loans to the bank. We appreciate their knowledge of the SBA 504 and 7a, and their responsiveness. Their services have helped the bank earn satisfied and repeat customers.
Sean Murray, SVP, Commercial Lender at Commerce Bank of AZ
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 cannot thank Lori and everyone at Arizona Capital Source enough for helping us take the next step in the growth of our business. Investing in our first commercial building is something we know will catapult our community-driven mission to the next level. The knowledge, collaboration and thoroughness Lori provided were instrumental in making this a reality. We wouldn’t have closed if it wasn’t for Lori looking after us and setting us up with a Plan B lender. After nine months of being in escrow, it would have been devastating if things hadn’t worked out. Lori is a Godsend!
Now, we can’t wait for the Scented Leaf on Tanque Verde to become a favorite drink house and gathering space for Tucson’s East Side.
Adrienne and Shane Barela, The Scented Leaf
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
Client Testimonials
The staff at Arizona Capital were not just knowledgeable but friendly as well. Even months after the loan has closed, they are still quick to answer any questions. I have recommended them to other businesses I talk to.
Paul Canikin, owner of Canikin Distribution
Arizona Capital was helpful, there for all our needs and questions throughout the process. Ashley was great! Thank you!
Don Mohr, Owner of Mohr H20
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
Our traditional lender pulled out right before our building loan we set to close. Arizona Capital Source came in and saved us. We weren’t technically a fit for an SBA loan, but they came up with creative solutions and were able to make it happen. They kept us in the loop the whole time and it worked out perfectly. We’re now saving hundreds a month on interest.
Melanie Morgan, co-owner of Gearshifters
AZ Capital Source has been a strong partner in not only helping businesses in S. AZ grow, but offering attractive and well structured loans to the bank. We appreciate their knowledge of the SBA 504 and 7a, and their responsiveness. Their services have helped the bank earn satisfied and repeat customers.
Sean Murray, SVP, Commercial Lender at Commerce Bank of AZ
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 cannot thank Lori and everyone at Arizona Capital Source enough for helping us take the next step in the growth of our business. Investing in our first commercial building is something we know will catapult our community-driven mission to the next level. The knowledge, collaboration and thoroughness Lori provided were instrumental in making this a reality. We wouldn’t have closed if it wasn’t for Lori looking after us and setting us up with a Plan B lender. After nine months of being in escrow, it would have been devastating if things hadn’t worked out. Lori is a Godsend!
Now, we can’t wait for the Scented Leaf on Tanque Verde to become a favorite drink house and gathering space for Tucson’s East Side.
Adrienne and Shane Barela, The Scented Leaf
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
The staff at Arizona Capital were not just knowledgeable but friendly as well. Even months after the loan has closed, they are still quick to answer any questions. I have recommended them to other businesses I talk to.
Paul Canikin, owner of Canikin Distribution
Arizona Capital was helpful, there for all our needs and questions throughout the process. Ashley was great! Thank you!
Don Mohr, Owner of Mohr H20
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
Our traditional lender pulled out right before our building loan we set to close. Arizona Capital Source came in and saved us. We weren’t technically a fit for an SBA loan, but they came up with creative solutions and were able to make it happen. They kept us in the loop the whole time and it worked out perfectly. We’re now saving hundreds a month on interest.
Melanie Morgan, co-owner of Gearshifters
AZ Capital Source has been a strong partner in not only helping businesses in S. AZ grow, but offering attractive and well structured loans to the bank. We appreciate their knowledge of the SBA 504 and 7a, and their responsiveness. Their services have helped the bank earn satisfied and repeat customers.
Sean Murray, SVP, Commercial Lender at Commerce Bank of AZ
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 cannot thank Lori and everyone at Arizona Capital Source enough for helping us take the next step in the growth of our business. Investing in our first commercial building is something we know will catapult our community-driven mission to the next level. The knowledge, collaboration and thoroughness Lori provided were instrumental in making this a reality. We wouldn’t have closed if it wasn’t for Lori looking after us and setting us up with a Plan B lender. After nine months of being in escrow, it would have been devastating if things hadn’t worked out. Lori is a Godsend!
Now, we can’t wait for the Scented Leaf on Tanque Verde to become a favorite drink house and gathering space for Tucson’s East Side.
Adrienne and Shane Barela, The Scented Leaf
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