Verified Operational Underwriting
Verified Operational Underwriting

Modernize with Confidence

SBA 504 Green Lending: Financing your growth with smart, stable capital.

Higher Caps

Borrow up to $5.5 million per project.

Lock in fixed rates for 25 years.

Combine loans for up to $16.5 million.

Rate Stability
Stacked Loans
Case Studies
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Green Growth

Our SBA 504 green loans empower small businesses to grow sustainably with affordable, long-term financing.

Green Loans
A small business owner reviewing green loan documents in a bright office with solar panels visible outside.
A small business owner reviewing green loan documents in a bright office with solar panels visible outside.

Borrow up to $5.5M for your green real estate projects.

Construction workers installing solar panels on a modern commercial building.
Construction workers installing solar panels on a modern commercial building.
Graph showing fixed rate stability and energy savings over 25 years.
Graph showing fixed rate stability and energy savings over 25 years.
Smart Financing

Combine SBA 504 with C-PACE for full green upgrade funding.

Lock in 25-year fixed rates to protect against market swings.

Rate Stability

FAQs

What is SBA?

The SBA 504 Green Loan offers fixed-rate financing for commercial real estate, allowing business owners to secure the capital they need without worrying about fluctuating interest rates. This loan is particularly beneficial for purchasing, constructing, or renovating commercial properties, helping entrepreneurs achieve their goals while maintaining financial stability.

Loan limits?

You can borrow up to $5.5 million per project with increased caps for green projects, allowing for significant investment in sustainable initiatives that benefit the environment and promote eco-friendly technologies. This financial support not only enhances your project’s potential but also contributes to a greener future for everyone involved.

Energy requirements?

Projects must reduce energy use by 10%, generate 15% of energy from renewables, or meet LEED standards. Moreover, it is essential for organizations to adopt sustainable practices not just for compliance, but to contribute to a healthier planet for future generations. In doing so, we can also inspire innovation, improve operational efficiency, and engage stakeholders effectively.

Are rates fixed?

Yes, the loan locks in rates for 25 years, effectively safeguarding you against fluctuations in interest rates that can occur over time. This long-term stability provides peace of mind, allowing you to plan your financial future without the constant worry of changing market conditions.

How is savings verified?

We perform comprehensive ASHRAE audits to thoroughly verify energy savings and significantly support your loan application process, ensuring that all necessary criteria are met for successful funding.

What financing layers exist?

Yes, project financing can include the refinancing of existing commercial real estate debt when combined with eligible expansion or green energy upgrades, providing a significant opportunity for businesses and investors alike. By leveraging current assets, companies can not only reduce their financial burdens but also invest in sustainable practices that contribute to environmental stewardship and long-term economic viability.

What qualifies as a green building project?
Can SBA 504 loans refinance existing debt?

Projects must significantly reduce energy use by at least 10%, generate a minimum of 15% of their energy requirements from renewable sources, or alternatively, achieve and adhere to the rigorous standards set forth by LEED (Leadership in Energy and Environmental Design), which are essential for sustainable building practices.

Our layered capital stack combines SBA 504 Green, C-PACE, and corporate credit facilities.

Growth Engine

Modernize your facility with SBA 504 Green Lending

a large building with a lot of windows on ita large building with a lot of windows on it
Green Loans

Fixed-rate loans for green projects

green plants on brown concrete buildinggreen plants on brown concrete building
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Diagram showing layered financing combining SBA 504, C-PACE, and corporate creditDiagram showing layered financing combining SBA 504, C-PACE, and corporate credit
Business owner reviewing energy savings data on a tablet in an officeBusiness owner reviewing energy savings data on a tablet in an office
Capital Stack

Stack financing to lower costs

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Contact Us

Get in touch to learn how performance-linked loans work.

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The SBA 504 Green Loan helped us invest in energy upgrades without straining our cash flow. EcoGenSolve made the process seamless.

J. Lee

Photo of a small business owner smiling confidently in front of a modern, eco-friendly commercial building.
Photo of a small business owner smiling confidently in front of a modern, eco-friendly commercial building.

★★★★★