SBA 504 Loans in Atlanta, GA
Find lenders offering sba 504 loans in the Atlanta, including Marietta, Sandy Springs, Roswell, and surrounding areas. Compare rates, terms, and programs from 25 lenders.
Which SBA 504 lenders serve Atlanta?
25 lenders offering sba 504 loans in the Atlanta, GA area.
Capital Partners Certified Development Company
Local SBAAtlanta, GA
Atlanta, Georgia-based Certified Development Company partnering with the SBA and lending institutions to provide 504 loans. Helps small businesses in Georgia purchase commercial real estate through the SBA 504 program.
Small Business Access Partners, Inc.
Local SBAGainesville, GA
Georgia Certified Development Corporation
Local SBAAtlanta, GA
Small Business Assistance Corporation
Local SBASavannah, GA
Coastal Area District Development Authority, Inc.
Local SBABrunswick, GA
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.
Florida Business Development Corporation
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.
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.
What does the Atlanta commercial real estate market look like?
Atlanta is the commercial capital of the Southeast, anchored by the world's busiest airport (Hartsfield-Jackson), 16 Fortune 500 headquarters, and a deep talent pipeline from Georgia Tech, Emory, and other major universities. The Midtown submarket has emerged as a premier tech and innovation hub, with Microsoft, Google, and Airbnb leasing significant office space, while Buckhead remains the metro's premier Class A office and luxury retail node. The I-285 perimeter and Northern suburbs — particularly Sandy Springs, Dunwoody, and Alpharetta — house major corporate campuses for UPS, Mercedes-Benz USA, and NCR (now part of Voyix). Atlanta's industrial market along I-20 West, I-85 South, and the I-285 South corridor has seen extraordinary growth in e-commerce fulfillment, with the metro ranking among the top five U.S. markets for industrial absorption.
Key Economic Drivers
- ●Fortune 500 headquarters cluster including Home Depot, UPS, Delta Air Lines, and Coca-Cola
- ●Midtown and West Midtown tech office corridor with Google, Microsoft, and Mailchimp
- ●Hartsfield-Jackson Airport and adjacent industrial logistics complex
- ●Georgia's 30% film tax credit driving sound stage and production facility development in Fayette and DeKalb counties
Market Insight
Atlanta's Westside BeltLine corridor has catalyzed over $10 billion in private investment along the 22-mile loop, transforming former railroad rights-of-way into some of the metro's most sought-after mixed-use development sites — though rising land costs along the trail now rival Midtown pricing.
How do sba 504 loans work in Atlanta, Georgia?
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 Atlanta metro area, borrowers can access 25 lenders offering SBA 504 financing, including Marietta, Sandy Springs, Roswell, 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 Atlanta FAQ
How many SBA 504 lenders serve Atlanta, GA? ▼
What are SBA 504 loan rates in Atlanta? ▼
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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