SBA 504 Loans for Missouri Businesses
Long-term, fixed-rate financing for commercial real estate, construction, and major equipment. Serving Missouri businesses and lending partners with experienced guidance from application through closing.
Up to 10% Down Payment
Preserve more working capital with a lower down payment than many conventional commercial loans require.
Up to
25-Year Terms
Longer repayment terms can help reduce monthly payments and improve cash flow.
Fixed Rate
The SBA-backed portion features a fixed interest rate for the life of the loan.
Statewide Lending
EDC provides SBA 504 financing to eligible businesses throughout Missouri.
Why Businesses Choose SBA 504 Financing
The SBA 504 Loan Program helps small businesses finance owner-occupied commercial real estate and major equipment with lower down payments, long-term fixed rates, and predictable monthly payments. The financing is structured as a partnership between a private lender, the SBA, and the borrower.
Lower Down Payment
Preserve working capital with down payments that may be as low as 10% for many eligible projects.
Long-Term Fixed Rates
Enjoy predictable monthly payments with fixed interest rates on the SBA portion of the loan.
Terms up to 25 Years
Longer repayment terms can improve cash flow by reducing monthly payments.
Statewide Reach. Local Expertise.
Work with experienced SBA 504 professionals serving businesses and lenders throughout Missouri.
Current SBA 504 Interest Rates
SBA 504 interest rates are updated monthly. Below are the current effective rates for standard and manufacturing projects.
Standard SBA 504 Rates
Manufacturing SBA 504 Rates
*August 2026 Rates
Ready to Get Started?
Whether you’re purchasing a building, constructing a new facility, refinancing eligible debt, or expanding your operations, our experienced team is here to help you determine whether an SBA 504 loan is the right fit.
What to Gather for Your Initial Project Review
If you’re considering SBA 504 financing, having the following information available can help our team understand your project, evaluate potential financing options, and identify next steps.
Business Financial Information
- Federal business tax returns, including all schedules, for the past three years
- Current business debt schedule dated the same as your interim financial statements
- Interim balance sheet and profit-and-loss statement dated within the past 60 days
P&L Projection Template.xls
Personal Financial Information
- Federal personal tax returns, including all schedules, for the past three years
- Personal financial statements for applicable owners of the operating company
Project Information
- Information about the building or land being purchased, such as a property listing or purchase information
- Details about planned building improvements or renovations
SBA Forms
- SBA Form 1244 — Application for Section 504 Loan
- SBA Form 413 — Personal Financial Statement
Additional documentation may be requested based on the borrower, business structure, and project.
Already working with an EDC loan officer?
Please use the secure Client Document Portal provided by your EDC loan officer to submit financial and personal documents. Sensitive financial information should not be sent through standard email.
SBA 504 Knowledge Base
Get answers to the most common questions about SBA 504 loans—from eligibility and down payments to timelines, lender participation, and application requirements.
We’re Here To Help!
Our SBA 504 Knowledge Base is designed to help Missouri business owners understand the financing process before submitting an application. If you don’t find the answer you’re looking for, our team is here to help. You can also review official SBA 504 program information from the U.S. Small Business Administration.
The SBA 504 Loan Program is a long-term financing program designed to help eligible small businesses purchase major fixed assets that support business growth and job creation. It is commonly used to finance commercial real estate, construct new facilities, renovate existing buildings, and purchase eligible machinery and equipment.
Unlike many conventional commercial loans, the SBA 504 program combines financing from a private lender and a Certified Development Company (CDC) to provide long-term, fixed-rate financing on the SBA-backed portion of the loan. This unique structure often allows businesses to preserve working capital while making significant investments in their future.
Rather than leasing space or delaying equipment purchases, business owners can use SBA 504 financing to invest in assets that increase operational capacity, improve efficiency, and build long-term equity.
The program is administered by the U.S. Small Business Administration (SBA) through Certified Development Companies like the Economic Development Corporation of Jefferson County, which proudly provides SBA 504 financing to eligible businesses throughout Missouri.
An SBA 504 loan is a partnership between three parties: a private lender, a Certified Development Company (CDC), and the business borrower.
In many projects, financing is structured as:
- 50% from a conventional lender
- 40% through the SBA 504 program administered by the CDC
- 10% from the borrower as a down payment
Depending on the project and borrower qualifications, the required equity contribution may be higher.
This financing structure helps reduce risk for lenders while allowing eligible businesses to obtain long-term financing with a lower upfront investment than many conventional commercial loans. The SBA-backed portion of the financing carries a fixed interest rate, providing predictable monthly payments throughout the life of the loan.
The SBA 504 Loan Program is available to many small businesses that are purchasing owner-occupied commercial real estate, constructing new facilities, renovating existing buildings, or financing eligible long-term equipment.
To qualify, a business must generally operate for profit, be owner-occupied for real estate, meet SBA size standards, and demonstrate the ability to repay the loan. The project must also meet SBA eligibility requirements and support the program’s economic development mission.
Eligibility is based on a combination of factors, including the financial strength of the business, the project being financed, and compliance with SBA guidelines. Because every business and project is different, the best way to determine eligibility is to discuss your plans with an experienced SBA 504 lending professional.
The SBA 504 Loan Program serves a wide range of industries throughout Missouri. Eligible borrowers often include manufacturers, contractors, healthcare providers, professional service firms, logistics companies, wholesalers, retailers, hospitality businesses, and many other privately owned businesses.
The program is intended for businesses investing in fixed assets that support long-term growth. Whether you’re expanding operations, purchasing your first commercial building, or replacing outdated equipment, the SBA 504 program may provide an affordable financing solution.
If you’re unsure whether your business qualifies, we’re happy to discuss your project and explain the program requirements.
No. Although the Economic Development Corporation of Jefferson County is headquartered in Jefferson County, MO, our Certified Development Company provides SBA 504 financing to eligible businesses throughout Missouri.
We partner with commercial lenders across the state and regularly assist businesses in communities large and small.
Whether your project is in St. Louis, Springfield, Columbia, Cape Girardeau, Joplin, Kansas City, or anywhere in between, our experienced lending team can help determine whether the SBA 504 Loan Program is the right financing solution for your business.
Our commitment is simple: Statewide Reach. Local Expertise.
Many SBA 504 projects require as little as a 10% borrower contribution, however, some projects require a 15% or 20% down payment, depending on factors such as:
- Whether the borrower is a new business
- Whether the property is considered a special-purpose property
- Other SBA program requirements
Your lender and Certified Development Company will explain the required equity contribution based on your specific project.
Stay Connected
Get business resources, financing updates, economic development news, and opportunities from across Jefferson County and Missouri.