SBA 504 Loans in Wyoming
Browse 6 lenders offering sba 504 loans in Wyoming. Compare rates, requirements, and loan programs — then connect directly.
SBA 504 Lenders in Wyoming
6 lenders offering sba 504 loans to borrowers in Wyoming.
Live Oak Banking Company
WILMINGTON, 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.
U.S. Bank, National Association
Cincinnati, 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
BERKELEY 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.
Zions Bank, A Division of
SALT LAKE CITY, UT
Major Western U.S. bank and SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, equipment financing, and agricultural lending across the Mountain West.
Wells Fargo
San Francisco, CA
Top commercial real estate lender. CMBS, balance sheet, agency, and SBA lending across all property types.
Mountain West Small Business Finance
Salt Lake City, UT
About SBA 504 Loans in Wyoming
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 Wyoming, 6 lenders currently offer SBA 504 financing with loan amounts from $125K to $17M and rates typically ranging from Below market (CDC portion ~5-6%).
Wyoming Market Overview
Wyoming's economy is heavily dependent on mineral extraction and tourism, with Yellowstone and Grand Teton National Parks driving hospitality CRE demand. The state has the smallest population in the U.S. but offers an exceptionally tax-friendly business environment.
Wyoming has no state income tax, no corporate income tax, and no gross receipts tax, making it one of the most tax-advantaged states in the country for CRE investment and business operations. Commercial property is assessed at 11.5% of fair market value, and the state's low mill levy rates result in minimal property tax burdens. Wyoming's extremely small population and limited commercial inventory mean that CRE lending requires careful analysis of local demand drivers, as even small market disruptions can have outsized impacts on occupancy and values in communities like Cheyenne, Casper, and Jackson.
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)
Pros and Cons
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 FAQ
What is a Certified Development Company (CDC)? ▼
Can I use SBA 504 for a rental property? ▼
How is the SBA 504 loan structured? ▼
SBA 504 Loans by City in Wyoming
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