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

Compare SBA 504 vs 7(a) loans for commercial real estate. Learn which program offers lower rates, better terms, and fits your Massachusetts business needs.

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Latest articles

October 25, 2026
Owner-Occupied Commercial Refinance: Options and Steps

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October 25, 2026
SBA 504 Loans for Medical Practices Buying Office Buildings

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October 24, 2026
SBA 504 Loans for Hotel and Hospitality Owners in New England

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October 23, 2026
SBA 504 Loans for Childcare Centers in New England

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October 22, 2026
Best Commercial Loans for Small Business Owners in Massachusetts: SBA 504 and Its Alternatives

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October 21, 2026
Small Business Construction Loans for New Commercial Buildings in Connecticut

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October 20, 2026
How to Get Approved for a Commercial Real Estate Loan in Rhode Island

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October 19, 2026
Commercial Building Loans for New Hampshire Business Owners

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October 18, 2026
Restaurant Real Estate Financing in New England: SBA 504’s $5.5M Cap

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October 16, 2026
Best Commercial Real Estate Loans for Massachusetts Small Businesses

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October 15, 2026
Hard Money vs Conventional: Investors’ Six Month Flip Meets SBA 504

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October 14, 2026
Owner Occupied vs Investment: U.S. House Hacking and SBA’s 51% Rule

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October 13, 2026
Owner Financing vs Bank Loans: Who Qualifies, Who Pays More?

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October 2026 SBA 504 funding rates
October 13, 2026
October 504 Funding Rates

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October 12, 2026
ROBS vs. SBA Loans: Use Both, Allow 30 to 90 Days for Review

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October 12, 2026
Borrowing Base Formula: Monthly Example for Controllers, CDC Checklist

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October 10, 2026
Commercial Mortgage Refinance: SBA 504 Comes First for U.S. Owners

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October 9, 2026
SBA 504 Assumptions: Buyer and Seller Steps Under 13 CFR § 120.937

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October 9, 2026
Commercial Loan-to-Value: SBA 504 10% Down Options for New England

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October 8, 2026
BDC Capital/CDC New England Welcomes Former SBA Massachusetts District Director Robert Nelson

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October 7, 2026
Unitranche vs Mezzanine: Avoid AAL Triggers and PIK for Deal Teams

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October 7, 2026
Cost Segregation: Convert Up to 35% of Building Cost to 100% Deduction in 2026

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October 5, 2026
New England Firms: Six Steps to Protect ABL Borrowing Base

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

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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
SBA 504 Loans in Rhode Island: 2026 Guide to 10% Down

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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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