SBA 504 Loans in District of Columbia
Browse 6 lenders offering sba 504 loans in District of Columbia. Compare rates, requirements, and loan programs — then connect directly.
SBA 504 Lenders in District of Columbia
6 lenders offering sba 504 loans to borrowers in District of Columbia.
Live Oak Banking Company
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.
U.S. Bank, National Association
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.
Readycap Lending, LLC
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.
Manufacturers and Traders Trust Company
BUFFALO, NY
M&T Bank is a major regional bank and one of the top SBA lenders by loan count in the Northeast. Offers SBA 7(a), Express, and 504 loans alongside a full range of commercial banking, commercial real estate, and small business products.
PNC Bank, National Association
WILMINGTON, DE
One of the largest U.S. banks, offering SBA 7(a) and 504 loans, commercial real estate, equipment financing, lines of credit, and comprehensive treasury management. Full-service business banking across the eastern United States.
Wells Fargo
San Francisco, CA
Top commercial real estate lender. CMBS, balance sheet, agency, and SBA lending across all property types.
About SBA 504 Loans in District of Columbia
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 District of Columbia, 6 lenders currently offer SBA 504 financing with loan amounts from $125K to $17M and rates typically ranging from Below market (CDC portion ~5-6%).
District of Columbia Market Overview
Washington, D.C.'s economy is anchored by federal government operations, with a large ecosystem of contractors, law firms, and trade associations generating consistent office demand. The District has diversified into technology and life sciences sectors.
D.C.'s Height of Buildings Act limits most structures to 130 feet, constraining supply and supporting property values in the core. The District's Tenant Opportunity to Purchase Act (TOPA) gives commercial tenants the right of first refusal on property sales, which can complicate and delay CRE transactions. Federal lease expirations and the shift toward remote work have reshaped the office market, pushing investors toward adaptive reuse conversions of older office buildings into residential or mixed-use properties.
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)
Pros and Cons
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 FAQ
What is a Certified Development Company (CDC)? ▼
Can I use SBA 504 for a rental property? ▼
How is the SBA 504 loan structured? ▼
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