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.
Which SBA 504 lenders serve Little Rock?
8 lenders offering sba 504 loans in the Little Rock, AR area.
Live Oak Banking Company
SBAWILMINGTON, 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.
The Huntington National Bank
SBACOLUMBUS, 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.
U.S. Bank, National Association
SBACincinnati, 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.
Readycap Lending, LLC
SBABERKELEY 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.
Fifth Third Bank
SBACINCINNATI, 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.
Regions Bank
SBABIRMINGHAM, 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.
Wells Fargo
San Francisco, CA
Top commercial real estate lender. CMBS, balance sheet, agency, and SBA lending across all property types.
Rural Missouri, Inc.
SBAJefferson City, MO
What does the Little Rock commercial real estate market look like?
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.
How do sba 504 loans work in Little Rock, Arkansas?
SBA 504 loans provide long-term, fixed-rate financing for major fixed assets like commercial real estate and heavy equipment. The loan is split between a bank (50%), a Certified Development Company (40%), and your down payment (10%), resulting in below-market rates on the CDC portion. In the Little Rock metro area, borrowers can access 8 lenders offering SBA 504 financing, including North Little Rock, Conway, Benton, and surrounding areas. Loan amounts typically range from $125K to $17M with rates from Below market (CDC portion ~5-6%).
Who should consider sba 504 loans?
- Owner-occupied commercial real estate
- Heavy equipment purchase
- Business expansion
- New construction
What are the key requirements?
- For-profit business
- Net worth under $15M
- Average net income under $5M (after taxes) for prior 2 years
- 51%+ owner occupancy
- Create or retain jobs (1 per $90,000 CDC)
Advantages
- ✓Only 10% down payment
- ✓Below-market fixed rate on CDC portion
- ✓Long terms (20-25 years for RE)
- ✓No balloon payments
Considerations
- •Must be owner-occupied (51%+ for existing, 60%+ for new construction)
- •Cannot be used for working capital
- •Longer closing timeline
- •Two closings (bank + CDC)
SBA 504 Loans in Little Rock FAQ
How many SBA 504 lenders serve Little Rock, AR? ▼
What are SBA 504 loan rates in Little Rock? ▼
What is a Certified Development Company (CDC)? ▼
Can I use SBA 504 for a rental property? ▼
How is the SBA 504 loan structured? ▼
Where else can I find sba 504 loans in Arkansas?
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