SBA 504 Refinance Program

Close in 45 Days, skip the SBA wait with New England's Premier Certified Lender. Turn Your Property Into Working Capital.

Lower Monthly Payments
‍Reduce payments and improve cash flow immediately.

Fixed Rates for 25 Years
‍Eliminate balloon payments and rate increases forever.

Refinance Existing Debt
Refinance existing debt with options for cash-out, property improvements, expansion, or equipment purchases

Equipment Purchased
Roll equipment loans into one low fixed-rate payment.

Real Estate Addition
Finance improvements and expansions with your refinance.

Start My SBA 504 Refinance

Refinance with Cash Out

Why refinance your SBA 504?

Turn your biggest business expense into your biggest advantage.

Immediate Cash Flow Relief

Replace high-rate commercial loans with below-market SBA rates. Many clients save $2,000-$5,000+ monthly on the same property.

Eliminate Future Rate Shock

No more balloon payments or rate adjustments. Lock in today's low rates for 20-25 years and budget with confidence.

Access Your Equity

Pull cash out for business growth – equipment, inventory, working capital, or additional locations. Your property becomes a funding source.

Consolidate Multiple Debts

Combine commercial real estate loans, equipment financing, and other business debt into one predictable payment structure.

Keep Your Bank Relationship

Your current bank can participate in the new financing, maintaining your existing banking relationships while improving your terms.

Perfect Timing Opportunity

If you have a balloon payment coming due, adjustable rates, or personal guarantees you want to reduce – now is the ideal time to refinance.

SBA 504 Historical Interest Rates

Key Insights

Who can refinance with SBA 504?

Most business owners with commercial real estate debt qualify.

See If I Qualify to Refinance

Your property must:

Be owner-occupied (you use 51%+ of the space)

Be owned for at least 2 years (seasoning requirement)

Have sufficient equity for refinancing

Be located in New England

Your business must:

Operate for profit

Have under $20 million net worth

Average under $6.5 million annual profit (last 2 years)

Be current on existing loan payments

Existing debt that can be refinanced:

Conventional commercial mortgages

Bank term loans on real estate

Existing SBA 504 loans (for better rates)

Equipment loans secured by real estate

Cannot refinance:

Investment/rental properties (unless supporting your business)

Debt less than 2 years old

Personal mortgages or consumer debt

Loans in default or with payment issues

What We Do

Our Streamlined Refinance Process

Week 1-2: Application & Pre-Approval

Free consultation - Review your current debt and refinance goals

Submit application - Basic business and property information

Initial approval - Our Premier Certified status means faster decisions

Week 3-4: Documentation & Underwriting

Property appraisal - We order and manage the appraisal process

Financial review - Submit recent tax returns and financial statements

Credit analysis - Business and personal credit evaluation

Week 5-6: Final Approval & Closing

SBA processing - We handle all SBA paperwork and approvals

Closing preparation - Title work, surveys, and final documentation

Fund & celebrate - Your new loan closes and old debt is paid off

Your Advantage

As New England's only Premier Certified SBA 504 lender, we can approve most refinances without waiting for SBA review - cutting weeks off the typical process.

Ready to Lower Your Payments and Access Your Equity?

Let's analyze your current debt and show you exactly how much you can save! Our Premier Certified experts will review your existing loans, calculate your potential savings, and provide a no-obligation refinance proposal in 24-48 hours.

Start My SBA 504 Refinance Give Us A Call: (781) 928-1100