SBA 504 Loans
Built for Growth
Fixed-Rate, High LTV (Up to 90%), Long-Term CRE Loans for Owner-Occupied Properties
Backed by $5B+ in SBA lending expertise. Fast, transparent closings tailored for small businesses and brokers.
Current SBA 504 Rates (September 2025)
Rates
25-YEAR
Rates
20-YEAR
Refinance Rates
25-YEAR
Refinance Rates
20-YEAR
25-Year SBA 504 loan rate (in %) since 2021
Source: www.sba.gov; Effective rates include fees to CDC, SBA and central serving agent based on debenture pricing published by NADCO.
AVANA’s SBA 504 Loan Program at a Glance
AVANA’s SBA 504 loan provides long-term, fixed-rate financing- structured as 50% first mortgage, 40% SBA-backed CDC debenture - for the acquisition or refinance of commercial real estate across a wide range of asset types:
Franchised Hotels | Medical Offices | Retail | Industrial | Self-Storage
Franchised Restaurants | Manufacturing Facilities
Up to 90% LTV
25-year fixed interest rate on the SBA portion
No balloon payments
Ideal for CRE-heavy businesses like hotels, medical offices, retail, and more
SBA 504 Loan
Structure Overview
| AVANA Companies | SBA Debenture | |
|---|---|---|
| Loan Size | Up to $13M | Up to $5.5M |
| LTV | Up to 65% | Up to 90% combined |
| Term | 10 years | 25 years fixed |
| Interest | 5-year CMT + 2.5% - 4.0% (Resets after 5 years) | 25-Year fixed rate, set monthly by SBA |
| Amortization | 25 years | 25 years |
| Fees | 1.0%–2.0% | ~2.65%, financed |
Why Partner with AVANA for SBA 504 loans?
Expert guidance. Seamless execution. SBA 504 done right.
Expertise of closing $5B+ in SBA loans
SBA 504 specialists with underwriting-to-closing support
Streamlined LOI and document checklist
Full deal structuring support from day 1
Borrower-Friendly. Broker-Aligned.
Our Team
About Sanat Patel
As Chief Lending Officer at AVANA Companies and Chair of the Board at AVANA Bank, Sanat Patel brings more than three decades of experience in financial services, private credit and commercial banking, with a proven track record in loan structuring, risk management, and balance sheet growth. Sanat has led strategic initiatives that connect institutional capital with entrepreneurial ambition, supporting the growth of businesses, and owners engaged in commercial real estate across the U.S. He has built and scaled lending platforms in partnership with banks and credit unions, developing tailored financial solutions that drive job creation and foster inclusive economic development.
Our Team
About Christyna Lane
As a lending participation expert in Southern California, Christyna Lane manages the direct loan placements for AVANA CUSO, a Member of the AVANA Family of Companies, with lenders like credit unions, community banks and other financial institutions while establishing and maintaining relationships for the organization. Joining the CUSO team in 2014, she works in connection with lenders nationwide to assist them in reaching their commercial lending goals and diversifying their portfolio.