SBA 504 Loan | Current Rate is:

SBA 504 Loan
To Buy, Construct or Improve Commercial and Industrial Buildings.

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What We Finance

AEDC has loan funds available from a variety of sources which means AEDC loan officers have the flexibility to work with a variety of options to meet your commercial borrowing needs. Here are some of the many ways we can help you:

Purchase or Expansion of a Business

AEDC makes commercial loans that finance up to 90% of the overall project cost on business acquisition and expansion loans. These loans can be made for a variety of purposes such as business acquisition, inventory, equipment, working capital, and/or commercial real estate
Loan amounts range from $10,000 to $250,000. If the loan is for more than $250,000, participation from a third party lender (bank or seller, for example) is allowable.
Loan term varies with purpose of the loan. If you are borrowing mostly to purchase real estate, a 20-year term may be appropriate. If you are purchasing inventory and equipment, then only a 5 or 10-year term may be necessary.
Purchase of Commercial Real Estate or Heavy Equipment, Commercial Construction Projects
Loans of $100,000 or less can be approved in house

Micro Loans to Start or Expand a Small Business

 These loans can be used for business start-up costs or expansion, inventory, equipment or leasehold improvements. They are available in our six county service area PLUS Shasta County. Term and loan amounts vary depending on business needs.

SBA 504 Loan for Commercial Real Estate

Our primary loan program for financing the purchase, construction renovation and expansion of commercial real estate, or purchase of heavy equipment is the SBA 504 loan program. SBA 504 loans are always made with a financial partner. Loan amounts range from $50,000 to $5 million for the SBA portion of the loan. Because AEDC partners with a second financial institution, an SBA 504 loan allows up to 90% financing on commercial property.

AEDC loans are subject to our loan approval process. Interest rates are fixed and depend upon current market factors, your credit worthiness as a borrower and the risk inherent in the project. Find our SBA Loan Package here


If you are interested in funding a community development, or non-commercial project, visit us here

Find out how to get started on your commercial loan here

Download a Loan Application here

For additional information call the AEDC Small Business Lending Center's loan manager at 707-798-6132.


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