SBA 504 Loans

Fuel your business and preserve your working capital to help your business grow. The SBA 504 Loan program is co-lender financing designed to facilitate acquisition of capital assets with for-profit, owner-occupied small businesses.

Buy, Refinance, or Renovate with the SBA 504 Loan Program

The 504 Loan program is a powerful government-backed lending solution to help you get the funds you need to finance machinery, land, facilities, and other fixed assets. Enjoy long-term, fixed-rate financing, flexible terms, and competitive rate options.

Young bearded businessman sitting on desk and posing

Loan terms up to 25 years for real estate

Loan terms up to 10 years for equipment

What can I do with an SBA 504 Loan?

  • Expand or renovate

  • Fund building acquisition

  • Refinance

  • Buy long-term fixed assets

Happy mature businessman attending a meeting with his team

What is not eligible to be financed with an SBA 504 Loan?

  • Obtain working capital

  • Pay franchise fees

  • Buy inventory

  • Finance goodwill

Mid adult man working on his personal finance while sitting in his jewellery work shop in Japan.

We Help Businesses Think Big

Whether you’re looking to expand, refinance, or buy fixed assets, our team of experienced SBA lenders are ready to help.

SBA 7(a)

Accelerate your business’s growth with an SBA 7(a) Loan. The 7(a) loan program was designed to help you get the working capital you need to start, acquire, or expand your small business.

Learn More

USDA Business & Industry

A USDA Business & Industry Loan helps to strengthen your local community by giving your business the tools to be successful. This is an ideal solution for small businesses located in rural communities.

Learn More

SBA Express Line of Credit

Access capital quickly for your business. This SBA loan program has an accelerated approval process so you can get the funding you need to expand, make improvements, or buy business essentials faster.

Learn More

Frequently Asked Questions

We Love Helping Small Businesses

Our Government Guaranteed Lending division has helped business owners across the United States secure funding to start, grow, or expand their small business.

View Recent Deals

Green Beagle Lodge

Fidelity Bank has been a treasured business partner in the expansion of the Green Beagle Lodge companies.  We have enjoyed working with them as we’ve built and opened our newest location.

- Tammy Purner & Margy Schmidt
Ascend Eye Center

Fidelity Bank was instrumental in helping us navigate the successful launch of our business. I would highly recommend Fidelity Bank for the banking needs of our community.

- Jiaxi Ding, MD
Redstone Materials

Fidelity Bank’s extensive range of services and unwavering support have provided us with a solid foundation, stability, and confidence in executing our projects.

- Reuben & Russ Radik
Click to watch video
 featured image
Carolina Lakes Family Dental

Banking with Fidelity Bank helps my business because when I’m dealing with Fidelity I know who I am dealing with.

- Dr. Laurence Mester Jr.
Click to watch video
 featured image
Elmo’s Clothing

They’re local. Fidelity Bank is a hometown bank and gives great service. They’re personal and help with all our needs.

- Barney Fish
Click to watch video
 featured image
Once in a Blue Moon Bakery

I would recommend Fidelity Bank because you really get the impression that they want your business to succeed.

- Joe Jones