SBA 504 Loans in Los Angeles, CA
Find lenders offering sba 504 loans in the Los Angeles, including Long Beach, Santa Monica, Pasadena, and surrounding areas. Compare rates, terms, and programs from 28 lenders.
SBA 504 Lenders Serving Los Angeles
28 lenders offering sba 504 loans in the Los Angeles, CA area.
Bank of Hope
Local SBALOS ANGELES, CA
One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.
California Statewide Certified Development Corporation
Local SBADavis, CA
One of California's largest Certified Development Companies (CDCs), specializing in SBA 504 loans for commercial real estate and heavy equipment. Provides long-term, below-market fixed-rate financing for owner-occupied properties.
East West Bank
Local SBAPASADENA, CA
One of the largest independent banks focused on the U.S. and Greater China markets. Offers SBA 7(a) and 504 loans, commercial real estate, trade finance, and international banking for businesses with cross-border needs.
Southland Economic Development Corporation
Local SBASanta Ana, CA
Santa Ana, California-based Certified Development Company authorized to offer SBA 504 loans. Actively serves small businesses throughout the Southern California region with long-term, fixed-rate financing for real estate and equipment.
Advantage Certified Development Corporation
Local SBALong Beach, CA
Long Beach, California-based Certified Development Company providing SBA 504 loans to small businesses. Offers long-term, fixed-rate financing for commercial real estate and equipment in Southern California.
Wells Fargo
LocalSan Francisco, CA
Top commercial real estate lender. CMBS, balance sheet, agency, and SBA lending across all property types.
Capital Access Group, Inc.
Local SBASan Francisco, CA
Cen Cal Business Finance Group
Local SBAFresno, CA
CDC Small Business Finance Corp.
Local SBASan Diego, CA
So Cal CDC
Local SBAMission Hills, CA
Superior California Economic Development, Inc.
Local SBARedding, CA
Arcata Economic Development Corporation
Local SBAEureka, CA
Business Finance Capital
Local SBALos Angeles, CA
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.
Los Angeles Commercial Real Estate Market
Los Angeles is the largest CRE market on the West Coast, with deeply specialized submarkets ranging from the Arts District's creative office conversions to the Port of Los Angeles/Long Beach industrial complex, the largest container port system in the Western Hemisphere. The Westside markets of Century City, Santa Monica, and Culver City command the region's highest office rents, driven by entertainment, technology, and professional services tenants. Downtown LA's adaptive reuse ordinance has transformed the Historic Core and South Park neighborhoods with residential, hotel, and mixed-use projects. The San Fernando Valley and South Bay submarkets provide more affordable office and industrial alternatives, while the Hollywood and Burbank media corridor remains the epicenter of studio and production space demand.
Key Economic Drivers
- ●Port of Los Angeles/Long Beach complex and related logistics infrastructure
- ●Entertainment industry studios and production facilities (Walt Disney, Netflix, Warner Bros.)
- ●Cedars-Sinai, UCLA Health, and Keck Medicine of USC hospital systems
- ●SpaceX headquarters in Hawthorne and the aerospace defense corridor along the South Bay
Market Insight
Los Angeles's 2028 Olympic Games preparations are driving billions in infrastructure investment including transit expansions, hotel development, and venue construction, creating CRE opportunities in neighborhoods near competition and event sites.
SBA 504 Loans in Los Angeles, California
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 Los Angeles metro area, borrowers can access 28 lenders offering SBA 504 financing, including Long Beach, Santa Monica, Pasadena, 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
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 Other California Cities
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