(760) 203-4488
License #603J413

504 Loan Program

Interested in our 504 program? Speak with a representative Today!

Use Of Proceeds

Real-estate acquisition, construction, or refinance – up to 90% financing available
Equipment Acquisition – up to 80% financing available

Loan Structures

Financing available on projects up to $12,000,000.

JRG Capital Group, Inc typically provides a first mortgage of up to 50% of the total loan-to-value. This loan can range from $100,000 to $3,000,000.

The SBA, through a Community Development Company (CDC) provides up to 40% loan-to-value in a second lien position. This loan can range from $100,000 to $5,000,000.

Terms and Interest Rates

First Mortgage – up to 25-year term for real-estate loan and up to 15-year term for equipment purchase with fixed and variable interest rates available.
Second Mortgage – up to 20-year term for real-estate and up to 15-year term for equipment purchase. Fixed rate is determined at SBA guaranteed 504 debenture sale.


First Mortgage – fees are always market competitive.
Second Mortgage – 2.75% + legal review fee. This fee is financed in the loan.

Fees also include customary closing costs, construction loan fees (if applicable), and bridge fees.

Eligible Properties

Almost any type of for-profit business is eligible for financing. Commercial real-estate must be partially occupied by the borrower.


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Member of NAELB

National Association of Equipment Leasing Brokers