Commercial
SBA 504 vs Conventional CRE — Which Is Cheaper?
For owner-occupied Florida commercial property, SBA 504 usually wins. Here's why (and when it doesn't).
Video coming soon
How SBA 504 is structured
A 50% bank first, 40% CDC/SBA second, and 10% borrower down — with a fixed 25-year rate on the second.
When conventional wins
Speed-to-close, non-owner-occupied properties, and situations where SBA fees outweigh the rate advantage.
What underwriters really need
The tax returns, rent rolls, and business financials that determine whether you get approved.
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