SBA 504 Loan Program

Program Highlights

  • Long-term, below-market fixed rates
  • Low down payment conserves working capital
  • Option to finance soft costs
  • Out-of-pocket fees minimized

Use of Funds

  • Buy, build, or renovate commercial and industrial real estate
  • Buy and install heavy-duty equipment and machinery
  • Cover related soft costs such as surveys and appraisals


  • Up to 20 years on SBA’s portion, depending on use of funds
  • Up to 20 year amortization with 10 year balloon on bank’s portion, depending on use of funds

Interest Rate

  • Call for current rates


  • Varies based on loan size


  • Pre-qualification service available at no cost to applicant

SBA loans from Highpoint Community Bank are in participation with the United States Small Business Administration. Loans are subject to approval in accordance with SBA and Bank eligibility and lending guidelines. Other lending programs are available.