SBA 504 Loans in Atlantic City, NJ
Find lenders offering sba 504 loans in the Atlantic City, including Egg Harbor, Pleasantville, Ventnor City, and surrounding areas. Compare rates, terms, and programs from 18 lenders.
SBA 504 Lenders Serving Atlantic City
18 lenders offering sba 504 loans in the Atlantic City, NJ area.
Readycap Lending, LLC
Local 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.
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.
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.
Manufacturers and Traders Trust Company
SBABUFFALO, 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.
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.
KeyBank National Association
SBACLEVELAND, OH
Major regional bank and SBA preferred lender with nationwide commercial banking operations. Offers SBA 7(a) and 504 loans, conventional business lending, commercial real estate, equipment finance, and capital markets services.
Empire State Certified Development Corporation
SBALatham, NY
New York-based Certified Development Company (CDC) specializing in SBA 504 loans. Provides long-term, fixed-rate financing for commercial real estate and heavy equipment acquisition for small businesses in New York.
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.
Wilmington Savings Fund Society FSB
SBAWILMINGTON, DE
Delaware-based regional bank and SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate financing, and full-service business banking across the Mid-Atlantic region.
Capital One, National Association
SBAMCLEAN, VA
One of the nation's largest banks, offering SBA 7(a) loans, commercial real estate, lines of credit, and treasury management. Provides full-service business banking with digital-first convenience for small and mid-sized businesses.
Atlantic City Commercial Real Estate Market
Atlantic City's CRE market revolves around the gaming and hospitality industry, though the city has worked to diversify following the closure of five casinos between 2014 and 2016 that significantly impacted property values and employment. The Boardwalk corridor and Marina District remain the focal points for hospitality and entertainment-related real estate, with Hard Rock Hotel & Casino and Ocean Casino Resort representing successful reopenings of previously closed properties. The Atlantic City Gateway project near the train station aims to create a non-gaming mixed-use anchor, while the city's designation as a state-controlled municipality under the PILOT (Payment in Lieu of Taxes) program has reshaped commercial property tax structures. The surrounding communities of Egg Harbor Township and Pleasantville capture retail and service demand from casino workers and regional residents.
Key Economic Drivers
- ●Remaining casino-resort operators including Hard Rock, Borgata, and Ocean Casino sustaining hospitality employment
- ●FAA William J. Hughes Technical Center in Egg Harbor Township as the area's largest non-gaming employer
- ●Stockton University's Atlantic City campus bringing academic investment to the city's Chelsea neighborhood
- ●New Jersey's online gaming and sports betting revenue generating operational demand for data and tech infrastructure
Market Insight
Atlantic City's PILOT program allows qualifying commercial properties to make fixed payments in lieu of traditional property taxes based on a percentage of gross revenue, providing more predictable operating costs for investors in a market with volatile assessed values.
SBA 504 Loans in Atlantic City, New Jersey
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 Atlantic City metro area, borrowers can access 18 lenders offering SBA 504 financing, including Egg Harbor, Pleasantville, Ventnor City, 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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