Invest in Your Future with an SBA 504 Loan — Tailored for Growing Businesses

Your Business Deserves Room to Grow

These loans are specifically designed to help small businesses secure property, upgrade equipment, or build new locations—with terms that work for your budget.

Low Down Payment

Get started with as little as 10% down, so you can keep more cash in your business.

Fixed Interest Rates

Lock in your rate for up to 25 years—no surprises, no sudden jumps.

Real Estate & Equipment Financing

Use your loan to buy property, renovate space, or purchase large equipment.

Build Equity Over Time

Invest in property you can own, rather than continuing to rent.

Flexible Financing Options

SBA lends up to 40% of the completed project cost with 10% borrower equity, the remaining 50% provided by Regent on a conventional basis.

Backed by the SBA

You’re supported by a trusted federal program designed to help small businesses succeed.

Current Rates:

25-Year Fixed

5.85% APR*

20-Year Fixed

6.06% APR*

10-Year Fixed

5.86% APR*

Step-by-Step Support, Start to Finish

Getting an SBA 504 loan is easier than you think—with expert help every step of the way.

Get Prequalified

Start by filling out a short interest form. It only takes a few minutes and helps us understand your goals, timeline, and funding needs.

Meet with a Local SBA Specialist

A Regent Bank SBA expert will reach out to talk through your project, answer your questions, and guide you through the loan process.

Secure Funding & Launch Your Project

Once approved, your loan is funded, and you can start building, buying, or upgrading—whatever your business needs to grow.

Who Can Apply?

You don’t need to be a big business to get big support. If you meet the following criteria, an SBA 504 loan could be a great fit.

You’re a Small Business

The SBA defines “small” by industry, but in general, if you’re not a large corporation, you’re likely eligible.

Your Net Worth Is Under $6 Million

Your business’s total net worth must be less than $6 million to qualify.

Your Net Income Is Under $2 Million

Your average net income over the last two years should be below $2 million.

You Operate in a Qualifying Industry

Most for-profit businesses qualify, including:

Retail:

with less than $6 million in annual sales.

Wholesale:

with fewer than 100 employees

Manufacturing:

with fewer than 500 employees

You’re Ready To Grow

Whether you want to buy a building, renovate a space, or purchase large equipment, your project must support long-term business growth and job creation.

PLEASE NOTE: Non-profit organizations and businesses focused solely on investment or speculation are not eligible for SBA 504 funding.

Speak with a Local SBA Loan Expert

Ready to explore your options? Fill out the form below and a Regent Bank
SBA Specialist will reach out to help you get started.

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Annual Percentage Rate (APR) is accurate as of 11/13/2025 and is subject to change at any time. Loan approval is subject to credit and SBA eligibility requirements. Regent Bank is approved to offer SBA loan products under SBA’s Preferred Lender Program.