SBA 504 Loans in El Paso, TX
Find lenders offering sba 504 loans in the El Paso, including Las Cruces, Socorro, Horizon City, and surrounding areas. Compare rates, terms, and programs from 28 lenders.
SBA 504 Lenders Serving El Paso
28 lenders offering sba 504 loans in the El Paso, TX area.
Comerica Bank
Local SBADALLAS, TX
Dallas-based major commercial bank offering SBA 7(a) and 504 loans, commercial real estate, equipment financing, lines of credit, and treasury management. One of the 25 largest U.S. banks with nationwide business banking.
North Texas Certified Development Corporation
Local SBAPlano, TX
Plano, Texas-based Certified Development Company providing SBA 504 loans to small businesses in North Texas. Offers long-term, fixed-rate financing for commercial real estate acquisition and construction.
Greater East Texas Certified Development Company
Local SBATyler, TX
Caprock Business Finance Corporation, Inc.
Local SBALubbock, TX
LiftFund, Inc.
Local SBASan Antonio, TX
Alliance Lending Corporation
Local SBAFort Worth, TX
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.
El Paso Commercial Real Estate Market
El Paso's CRE market is defined by its position as the largest U.S. city on the Mexican border, with cross-border commerce, military installations, and manufacturing forming the economic base. Fort Bliss, one of the largest U.S. Army installations by area, is the metro's dominant employer and supports extensive off-base commercial, hospitality, and retail demand along the Dyer Street and Gateway corridors. The maquiladora manufacturing sector in Ciudad Juarez across the border generates demand for U.S.-side warehousing, customs brokerage, and corporate office space, particularly in the Santa Teresa and Zaragoza port-of-entry corridors. Downtown El Paso has seen revitalization efforts including the renovation of the Plaza Hotel and development of the Downtown Arena District, though the pace of new commercial construction remains measured compared to larger Texas metros.
Key Economic Drivers
- ●Fort Bliss U.S. Army installation, one of the largest military bases in the country, and its William Beaumont Army Medical Center
- ●U.S.-Mexico cross-border manufacturing supply chain and maquiladora-linked logistics
- ●University of Texas at El Paso's growing research campus and Texas Tech Health Sciences Center El Paso
- ●Santa Teresa, NM intermodal rail hub and border crossing supporting binational distribution
Market Insight
El Paso's designation as a Foreign Trade Zone and its proximity to Ciudad Juarez's 300+ maquiladora factories create a unique binational logistics market, with U.S.-side warehouse and distribution rents remaining competitive at roughly half the cost of comparable space in Laredo or San Diego border markets.
SBA 504 Loans in El Paso, Texas
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 El Paso metro area, borrowers can access 28 lenders offering SBA 504 financing, including Las Cruces, Socorro, Horizon 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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