504 Loan Calculator for Alabama's Small Businesses

Use our SBA 504 loan calculator to estimate your down payment and monthly payments for commercial real estate or equipment purchases. See how the 50/40/10 financing structure works for your project with long-term fixed rates and terms up to 25 years.

SBA 504 Loan Calculator | ASBC

How the SBA 504 Loan Program Works

The SBA 504 Loan provides long-term, fixed-rate financing for major fixed assets. A typical project is financed with 50% from a bank or credit union, 40% from ASBC (backed by a 100% SBA-guaranteed debenture), and just 10% down from the borrower.

Project Details

January 2026 SBA 504 Rates
25-Year
5.856%
20-Year
5.913%
10-Year
5.672%
Special purpose properties or startups may require additional equity
$
$
7.50%
5.00%12.00%
5.86%
4.00%9.00%

Your Financing Estimate

Estimated Total Monthly Payment
$0
per month (P&I)
Financing
Structure
Breakdown
50%
40%
10%
Bank or Credit Union
SBA 504 (ASBC)
Your Equity
Total Project Cost
Real Estate$0
Soft Costs$0
Total Project Cost$0
Financing Structure
BankFirst Mortgage (50%)$0
ASBC504 Debenture (40%)$0
YouDown Payment (10%)$0
Monthly Payments (Principal & Interest)
Bank Loan @ 7.50% / 25 yr$0
SBA 504 @ 5.86% / 25 yr$0
Total Monthly Payment$0

Ready to see if you qualify? ASBC has helped Alabama businesses secure SBA 504 financing since 1989.

Schedule a No-Risk Consultation
(334) 209-2600
info@asbc504.com
Disclaimer: This calculator provides estimates only and should not be considered a loan commitment. Actual amounts, rates, and terms are subject to underwriting approval. SBA 504 rates are fixed at funding and set monthly. Contact ASBC for current rates. Alabama Small Business Capital is a non-profit CDC established in 1989 to administer the SBA 504 Loan Program.
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Your Source for SBA 504 Lending

ASBC is a private, non-profit Certified Development Company established in 1989 to administer the Small Business Administration (SBA) 504 Loan Program. In addition to the 504 Loan Program, ASBC is active in the economic development in the community in which it serves.

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