SBA 504 Loans in Augusta, GA
Find lenders offering sba 504 loans in the Augusta, including Evans, Martinez, North Augusta, and surrounding areas. Compare rates, terms, and programs from 25 lenders.
Which SBA 504 lenders serve Augusta?
25 lenders offering sba 504 loans in the Augusta, 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 Augusta commercial real estate market look like?
Augusta's commercial real estate market is driven by three pillars: Fort Eisenhower (formerly Fort Gordon), which is the U.S. Army's Cyber Center of Excellence and employs over 30,000 military and civilian personnel; the Augusta University Health System, the region's largest employer; and the annual Masters Tournament at Augusta National Golf Club, which generates substantial hospitality and retail CRE demand. The Gordon Highway and Riverwatch Parkway corridors are the primary commercial arteries, while the Cyber District in downtown Augusta is attracting technology and defense contractor tenants seeking proximity to the fort. Suburban growth in Evans and Martinez in Columbia County has driven retail, medical office, and multifamily development. The market offers significantly lower entry costs than Atlanta, with cap rates typically 100-200 basis points higher.
Key Economic Drivers
- ●Fort Eisenhower (Army Cyber Center of Excellence) and associated defense contractor demand
- ●Augusta University Health System and medical campus expansion
- ●Masters Tournament-driven hospitality and short-term rental investment
- ●Columbia County suburban growth in Evans and Martinez
Market Insight
Fort Eisenhower's designation as the Army Cyber Command headquarters has attracted defense contractors including GDIT, Parsons, and Perspecta to the Augusta Cyber District, creating a specialized office submarket downtown that did not exist a decade ago.
How do sba 504 loans work in Augusta, 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 Augusta metro area, borrowers can access 25 lenders offering SBA 504 financing, including Evans, Martinez, North Augusta, 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 Augusta FAQ
How many SBA 504 lenders serve Augusta, GA? ▼
What are SBA 504 loan rates in Augusta? ▼
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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