Commercial · Florida & Texas
SBA 504 Loan
SBA 504 long-term fixed-rate financing for owner-occupied commercial real estate and heavy equipment.
Common challenges we solve
- Two-loan structure (bank + CDC)
- Occupancy and job-creation requirements
- Coordinating with CDC paperwork
What you get with Lumos
Low down payment structure — bank, CDC and borrower portions (business-purpose loans)
20–25 year fixed CDC piece
Best terms in the market for owner-occupied CRE
Loan programs that typically fit
Frequently asked
- How much occupancy is required?
- 51% for existing buildings; 60% (rising to 80%) for new construction.
