What is a Certified Development Company (CDC)?

CDCs are SBA-certified nonprofit organizations that partner with banks to provide the 504 loan. They handle the SBA-backed 40% portion of the financing.

Can I use SBA 504 for a rental property?

No. SBA 504 requires 51%+ owner occupancy for existing buildings. It's designed for businesses that will operate from the property.

How is the SBA 504 loan structured?

50% from a bank or lender (first lien), 40% from a CDC backed by SBA (second lien), and 10% from the borrower as down payment.

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SBA 504 Loans in Little Rock, AR

Find lenders offering sba 504 loans in the Little Rock, including North Little Rock, Conway, Benton, and surrounding areas. Compare rates, terms, and programs from 8 lenders.

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Lenders

Typical Rate

Below market (CDC portion ~5-6%)

Down Payment

10%

Term

10-25 years

Closing Time

45-90 days

SBA 504 Lenders Serving Little Rock

8 lenders offering sba 504 loans in the Little Rock, AR area.

Live Oak Banking Company

SBA

WILMINGTON, NC

One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.

628 SBA loans

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The Huntington National Bank

SBA

COLUMBUS, OH

Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.

1337 SBA loans

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U.S. Bank, National Association

SBA

Cincinnati, OH

Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.

846 SBA loans

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Readycap Lending, LLC

SBA

BERKELEY HEIGHTS, NJ

Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.

563 SBA loans

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Fifth Third Bank

SBA

CINCINNATI, OH

Major regional bank and SBA preferred lender with operations across the Midwest and Southeast. Offers SBA 7(a) and 504 loans, conventional commercial lending, equipment financing, and commercial real estate loans.

117 SBA loans

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Regions Bank

SBA

BIRMINGHAM, AL

Birmingham, Alabama-based regional bank offering SBA 7(a) and 504 loans, commercial real estate, equipment financing, and business lines of credit. Major lender across 15 southern and midwestern states.

36 SBA loans

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Wells Fargo

San Francisco, CA

Top commercial real estate lender. CMBS, balance sheet, agency, and SBA lending across all property types.

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Rural Missouri, Inc.

SBA

Jefferson City, MO

13 SBA loans

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Little Rock Commercial Real Estate Market

Little Rock is Arkansas's capital and its largest commercial real estate market, with office demand driven by state government, financial services, and healthcare employers concentrated in the downtown core and the West Little Rock corridor along Chenal Parkway. The I-30 corridor connecting Little Rock and North Little Rock is the metro's primary industrial and logistics zone, while the I-430/I-630 interchange area serves as the suburban office and retail center. The River Market District along the Arkansas River has matured into a mixed-use entertainment and dining destination with adjacent multifamily and Class A office development. Medical office demand is strong, supported by the University of Arkansas for Medical Sciences campus and several major hospital systems.

Key Economic Drivers

●Arkansas state government offices and regulatory agencies
●University of Arkansas for Medical Sciences (UAMS) hospital and research complex
●Dillard's, Stephens Inc., and Windstream Holdings corporate operations
●Little Rock Air Force Base in nearby Jacksonville

Market Insight

Arkansas caps annual property assessment increases at 5% under Amendment 79, providing CRE investors with unusually predictable operating expense growth compared to states that reassess at full market value each year.