SBA 504 Loans in Cincinnati, OH
Find lenders offering sba 504 loans in the Cincinnati, including Mason, Covington, Hamilton, and surrounding areas. Compare rates, terms, and programs from 22 lenders.
SBA 504 Lenders Serving Cincinnati
22 lenders offering sba 504 loans in the Cincinnati, OH area.
The Huntington National Bank
Local 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
Local 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.
Fifth Third Bank
Local 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.
KeyBank National Association
Local 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.
Alloy Development Co., Inc.
Local SBACincinnati, OH
Community Capital Development Corporation
Local SBADublin, OH
Cascade Capital Corporation
Local SBAAkron, OH
Ohio Statewide Development Corporation
Local SBAColumbus, OH
Growth Capital Corp.
Local SBACleveland, OH
Valley Economic Development Partners, Inc.
Local SBAYoungstown, OH
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.
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.
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.
Cincinnati Commercial Real Estate Market
Cincinnati's CRE market benefits from a diversified Fortune 500 base that includes Procter & Gamble, Kroger, Fifth Third Bancorp, and Western & Southern Financial Group, all headquartered in or near the downtown CBD. The Banks development along the Ohio River between Great American Ball Park and Paycor Stadium has become the city's signature mixed-use waterfront district, while Over-the-Rhine (OTR) has transformed from a distressed neighborhood into one of the most celebrated adaptive reuse and urban revitalization stories in the Midwest. The I-75 corridor north through Mason and West Chester captures significant suburban office and industrial demand, anchored by GE Aviation's operations and a cluster of insurance and financial services firms. The Northern Kentucky communities of Covington and Newport, while across the state line, function as integral parts of the Cincinnati CRE market with their own distinct development momentum.
Key Economic Drivers
- ●Procter & Gamble and Kroger headquarters anchoring downtown Class A office and R&D demand
- ●GE Aviation (now GE Aerospace) operations in Evendale driving advanced manufacturing and engineering office absorption
- ●UC Health and TriHealth hospital systems generating medical office and ambulatory care facility demand across the metro
- ●Over-the-Rhine historic district adaptive reuse creating a model urban submarket for retail, hospitality, and residential
Market Insight
Cincinnati's Over-the-Rhine neighborhood has attracted over $1.5 billion in private investment since 2003, transforming one of the largest intact collections of Italianate architecture in the U.S. into a thriving commercial district and demonstrating the viability of historic tax credit-driven CRE investment in Ohio.
SBA 504 Loans in Cincinnati, Ohio
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 Cincinnati metro area, borrowers can access 22 lenders offering SBA 504 financing, including Mason, Covington, Hamilton, 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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