70+
Years in Business
& Counting*
$2.3B+
Invested in
New England Businesses
8.3k+
Businesses
Invested In
*Includes New England Certified's affiliate, BDC Capital Corp. NECDC has been participating in the SBA 504 Program since 1981. During that time, we have originated over $1 Billion in 504 loans which resulted in over $2.5 Billion in total financing and thousands of new jobs in New England.
Long-Term Growth
Lower Risk
SBA 504 Loans.
Affordable financing for your business growth.
Get the capital you need to expand your business with below-market fixed rates and longer terms. Our SBA 504 loans make commercial real estate and equipment purchases accessible with lower down payments and straightforward terms.
Below market fixed rates with no hidden fees
Fixed rates for up to 25 years
Only 10% down payment required in most cases
Purchase land, buildings, or equipment for eligible businesses
Debt Restructuring
Greater Flexibility
SBA 504 Refinance Program.
Optimize your existing debt with lower rates and longer terms.
Take advantage of the SBA 504 Refinance Program to lower your monthly payments, increase cash flow, and access equity for business growth. Refinance your existing commercial or 504 debt with terms that work better for your business.
Lower interest rates and fixed monthly payments
Fixed rates for up to 25 years with no balloons
Cash-out options for eligible business expenses
Debt consolidation for commercial real estate
Veteran Support
Special Opportunity
VetLoan Advantage Program.
Supporting veterans and their spouses with enhanced financing options.
At New England Certified, we're committed to helping veterans and their spouses access affordable financing for their small businesses. We proudly support the SBA 504 Loan Program's goal of increasing veteran loans through special incentives and dedicated service.
Processing fee reduced from 1.5% to 1.0%
We pay half of the Third Party Lender Fee, up to $3,000
Available to businesses owned by veterans
Extended to businesses owned by veterans' spouses
Financial Access
Barrier Solution
Down Payment Assistance Program.
Making commercial real estate ownership accessible with lower barriers to entry.
New England Certified offers alternative lending programs to help small businesses overcome down payment hurdles when conventional financing falls short. Our Down Payment Assistance Program creates pathways to property ownership for businesses ready to grow.
Assistance with SBA 504 loan down payments
Loans up to $100,000
Competitive market rates based on credit and eligibility
Choose the right financing solution for your specific business needs.
Property & Equipment
SBA 504
Loans
Loans
Finance commercial real estate purchases, new construction, renovations, and long-term equipment with up to 90% financing and fixed rates for 25 years.
Learn More
Debt Optimization
SBA 504 Refinance Program
Refinance existing debt with options for cash-out, property improvements, expansion, or equipment purchases.
Learn More
Veteran Business Support
VetLoan Advantage Program
Special financing terms and fee reductions for veteran and spouse-owned businesses, supporting your path to commercial property ownership.
Learn More
Schedule a Consultation Today
Ready to grow your business with expert financing?
72 Years in business since 1953 — $2.3 Billion+ invested in New England businesses — 8,300+ businesses financed across the region — 4.8 Stars. The numbers speak for themselves.
504 Loans for Growing Businesses