SBA 504 Loans in San Jose, CA
Find lenders offering sba 504 loans in the San Jose, including Sunnyvale, Santa Clara, Milpitas, and surrounding areas. Compare rates, terms, and programs from 28 lenders.
SBA 504 Lenders Serving San Jose
28 lenders offering sba 504 loans in the San Jose, 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.
San Jose Commercial Real Estate Market
San Jose sits at the heart of Silicon Valley and anchors one of the world's most valuable CRE markets, with office and R&D rents among the highest in the nation. The North San Jose submarket along Highway 237 has evolved from industrial to a major tech campus zone, while downtown San Jose is undergoing transformation led by Google's planned Downtown West mixed-use mega-project near Diridon Station. The Santa Clara submarket houses major campuses for Intel, Nvidia, and Applied Materials, and the Milpitas and Fremont areas have become hotbeds for advanced manufacturing and clean energy firms. Despite cyclical tech layoffs, the market's deep pool of engineering talent and proximity to venture capital sustain long-term demand.
Key Economic Drivers
- ●Google's Downtown West mixed-use development near Diridon Station
- ●Apple Park in Cupertino and its massive employee base and supplier network
- ●Nvidia, Adobe, and Cisco Systems headquarters campuses
- ●Mineta San Jose International Airport expansion and BART Silicon Valley extension
Market Insight
Google's planned Downtown West project near San Jose's Diridon Station is approved for up to 7.3 million square feet of office space alongside housing and retail, positioning the surrounding area for significant CRE value appreciation as the transit-oriented development takes shape.
SBA 504 Loans in San Jose, 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 San Jose metro area, borrowers can access 28 lenders offering SBA 504 financing, including Sunnyvale, Santa Clara, Milpitas, 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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