SBA 504 Loans in Pensacola, FL
Find lenders offering sba 504 loans in the Pensacola, including Gulf Breeze, Milton, Pace, and surrounding areas. Compare rates, terms, and programs from 26 lenders.
SBA 504 Lenders Serving Pensacola
26 lenders offering sba 504 loans in the Pensacola, FL area.
Florida Business Development Corporation
Local SBATampa, FL
Certified Development Company (CDC) and top SBA 504 lender in Florida. Provides long-term, fixed-rate financing for major fixed assets like land, buildings, and equipment through the SBA 504 loan program.
Florida First Capital Finance Corporation, Inc.
Local SBATallahassee, FL
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.
Bank of Hope
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.
Wells Fargo Bank National Association
SBASioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
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.
Byline Bank
SBACHICAGO, IL
Chicago-based bank and one of the top SBA 7(a) lenders in the Midwest. Provides SBA loans, commercial real estate financing, equipment loans, and government-guaranteed lending for small and mid-sized businesses.
Enterprise Bank & Trust
SBACLAYTON, MO
Midwest-based bank and top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate financing, and specialty lending for industries like healthcare and professional services.
Cadence Bank
SBATUPELO, MS
Regional bank serving the Southeast and Texas, and an active SBA preferred lender. Offers SBA 7(a) and 504 loans, commercial real estate lending, equipment financing, and full-service business banking.
Zions Bank, A Division of
SBASALT LAKE CITY, UT
Major Western U.S. bank and SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, equipment financing, and agricultural lending across the Mountain West.
United Community Bank
SBAGreenville, SC
Regional bank serving the Southeast and an SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, equipment financing, and comprehensive business banking.
First-Citizens Bank & Trust Company
SBARALEIGH, NC
One of the largest family-controlled banks in the U.S., headquartered in Raleigh, NC. Offers SBA 7(a) and 504 loans, commercial real estate, equipment financing, and lines of credit for businesses nationwide.
Pensacola Commercial Real Estate Market
Pensacola's commercial real estate market is shaped by a strong military presence from Naval Air Station Pensacola, home of the Blue Angels and the Naval Aviation training pipeline, which generates steady demand for government-adjacent office and retail properties. The downtown Palafox Street corridor has experienced a revitalization with restaurants, boutique retail, and adaptive reuse office projects, while the University of West Florida supports a growing education and healthcare employment base. The Pensacola Bay Area's relatively affordable commercial land costs have attracted logistics and light manufacturing tenants to the I-10 and Highway 29 corridors. Tourism along Pensacola Beach and Perdido Key drives seasonal hospitality CRE demand, though this sector is heavily influenced by hurricane risk and associated insurance costs.
Key Economic Drivers
- ●Naval Air Station Pensacola and Corry Station military installations
- ●Downtown Palafox Street revitalization and historic adaptive reuse
- ●University of West Florida enrollment and healthcare campus expansion
- ●I-10 corridor logistics and light manufacturing development
Market Insight
Pensacola's downtown Community Redevelopment Area offers Tax Increment Financing that has helped fund infrastructure improvements and catalyzed over $500 million in private investment along the Palafox and waterfront corridors.
SBA 504 Loans in Pensacola, Florida
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 Pensacola metro area, borrowers can access 26 lenders offering SBA 504 financing, including Gulf Breeze, Milton, Pace, 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)
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