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October 5, 2026
$500,000 Cutoff: SBA 504 Appraisal Rules and Borrower Checklist

Know SBA 504 appraisal rules, the $500,000 cutoff and 36 months lookback. Follow our borrower checklist to prevent appraisal delays.

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Latest articles

October 3, 2026
10 Year Rule: SBA 504 or Equipment Loans for U.S. Small Businesses

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October 2, 2026
10% Down, 25 Years: SBA 504 vs Conventional for U.S. Small Businesses

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October 2, 2026
Pair ABL With SBA MARC to Access Up to $5M for Manufacturers

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October 1, 2026
Secure Long Term Capital: SBA 504 for Startups, 7(a)+504 Up to $10M

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September 29, 2026
Up to $10M SBA Loans: New England Small Businesses, 504 and 2026 Rules

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September 29, 2026
50/40/10 SBA 504 Structure for U.S. Borrowers: Who Pays and When

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September 28, 2026
6 Checks Borrowers and Lawyers Need: Term Sheet vs Commitment Letter

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September 27, 2026
Lock 10–25-Year Rates: SBA 504 Trade Cycle Financing for Small Firms

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September 26, 2026
Vet An In State Certified Development Company and Tap CDC New England's VetLoan

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September 25, 2026
SBA 504 Prepayment: When U.S. Borrowers Pay a Premium in Years 1–10

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September 24, 2026
Stop 504 Delays: SBA Affiliation Rules Lenders in New England Must Check

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September 23, 2026
Small Businesses: Ownership Often Wins After 5 Years on Loan vs Lease

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September 22, 2026
SBA Size Standards: US Small Business 6 Step Checklist via SBA sources

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September 21, 2026
Small Businesses: When a Line of Credit Beats a Term Loan for 60 Days

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September 20, 2026
U.S. FY2026 SBA 504 Fees: Calculate Cost with CDC New England Tools

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September 19, 2026
10% Down SBA 504 Manufacturing Equipment Loans for Small Manufacturers

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September 18, 2026
Form 1244: What U.S. Borrowers Must Include in an SBA 504 Application

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September 17, 2026
$10M Combined SBA Cap: How U.S. Borrowers Can Reach the SBA 504 Maximum

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September 16, 2026
10, 20, or 25 Year SBA 504 Terms New England Borrowers Need

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September 15, 2026
5 Step Borrowing Base Reporting Workflow for Controllers, OCC Sources

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September 14, 2026
September 504 Funding Rates

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September 14, 2026
10% Down, Still at Risk: Recourse vs Nonrecourse for SBA 504 Borrowers

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September 13, 2026
For Borrowers: Mezzanine vs Senior Debt, 12–30% Cost and SBA 504 Fit

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September 12, 2026
3%–8.5% vs 8%+: Secured or Unsecured Lines of Credit for Borrowers

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September 11, 2026
15–20% Cost: When Mezzanine Financing Works for Business Owners

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September 10, 2026
Business Loan Collateral for Small Businesses: 50–90% Advance Rates, Docs

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September 9, 2026
Save $300,000: Construction Loan vs SBA 504 for U.S. Owners, CDC Insight

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September 8, 2026
For Business Owners: Asset Based Lending, OCC, Lender Questions, NE SBA

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September 7, 2026
Avoid Interim Interest on SBA 504 Debentures for New England Borrowers

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September 6, 2026
51% Occupancy Required: SBA 504 Eligibility for New England Borrowers

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September 5, 2026
10% Down: DSCR and NOI Prep for SBA 504 Borrowers in New England

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September 4, 2026
Decide Fast: When Owners, Sellers & Investors Need a BPO or Appraisal

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September 3, 2026
Convert Fees to APR: Invoice Financing vs Factoring for Small Business

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September 2, 2026
Operating vs Finance Leases: ASC 842 Audit Checklist for Controllers

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September 1, 2026
10% Down: What to Prepare for SBA 504 Prequalification in New England

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August 31, 2026
10% Down Warehouse Financing: SBA 504 Playbook for New England Owners

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August 30, 2026
25 Year Fixed Rate vs Fast Recast: SBA 504 for Commercial Owners

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August 29, 2026
4 Steps to Pick Fixed or Variable Rates for Business Borrowers

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August 28, 2026
When an Equipment Line of Credit Beats SBA 504 for Businesses

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August 27, 2026
Lock a 25 Year Fixed Rate on Business Debt Consolidation with CDC New England

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August 10, 2026
August 504 Funding Rates

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July 28, 2026
SBA 504 Success Story and Grant Opportunities

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July 13, 2026
July 504 Funding Rates

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June 23, 2026
New Hampshire Small Business Loans: Why the SBA 504 Beats Conventional Financing

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June 23, 2026
SBA 504 Loans in Connecticut: Rates, Requirements, and How to Apply

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June 23, 2026
How to Buy Commercial Real Estate in Massachusetts with an SBA 504 Loan

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June 15, 2026
June 504 Funding Rates

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May 12, 2026
Free Small Business Learning Series Launches in Massachusetts: What Business Owners Need to Know in 2026

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May 12, 2026
SBA 504 Loan Program Explained: How Small Businesses Can Buy Commercial Real Estate With Just 10% Down

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May 12, 2026
How a Lexington Caterer Used the SBA 504 Loan Program to Buy His Building After 25 Years in Business

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May 11, 2026
May 504 Funding Rates

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April 13, 2026
April 504 Funding Rates

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March 18, 2026
When Does It Make Sense to Buy Commercial Property in New England?

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March 18, 2026
What Can You Finance with an SBA 504 Loan? A Complete Guide for New England Businesses

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March 18, 2026
How to Buy Commercial Real Estate in New England with Just 10% Down

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March 18, 2026
SBA 504 Loans for Veterans: Benefits, Priority Processing, and How to Qualify

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March 9, 2026
March 504 Funding Rates

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February 24, 2026
New SBA Citizenship Requirements: What Bankers and Borrowers Need to Know

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February 18, 2026
What is my rate on an SBA 504 loan?

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February 9, 2026
February 504 Funding Rates

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January 16, 2026
SBA 504 Loan Appraisal Requirements: What New England Business Owners Need to Know

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January 12, 2026
January 504 Funding Rates

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December 29, 2025
SBA 504 Rates Reach 12-Month Low

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December 29, 2025
House Considering Change to Extra 5% Down Payment on Special Purpose Properties

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December 29, 2025
What It Means for New England Businesses

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December 15, 2025
December 504 Funding Rates

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November 10, 2025
November 504 Rates & Updates Regarding Government Shutdown

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October 20, 2025
Which Is Better for Your New Building?

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October 20, 2025
How to Lower Your Commercial Mortgage Costs

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October 20, 2025
Securing Fixed-Rate Financing in a Volatile Market

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October 20, 2025
When to Refinance Your Commercial Property with an SBA 504 Loan

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October 20, 2025
Do You Qualify for 90% Commercial Real Estate Financing?

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October 13, 2025
SBA 504 vs. 7A Loans: Which is Right for Your Commercial Real Estate Purchase?

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October 13, 2025
Foreign Ownership and SBA 504 Loans: Understanding the Latest Requirements

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October 13, 2025
Environmental Review Changes for SBA 504 Loans: Streamlining the Process

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