Capital Palm Partners, Inc.

8546 Palm Parkway, Ste 240,  Orlando, FL 32836

T:) 407-278-1466  |  Email: corporate@capitalpalm.com​​ 

SBA 504 Program Overview

The SBA 504 loan program provides small businesses long-term, fixed-rate financing to acquire major fixed assets for expansion or modernization. 


Typical Project Structure:
   50% LTV Conventional 1st DOT/Mortgage
   40% LTV SBA/CDC 2nd DOT/Mortgage
   10% Equity Injection

SBA 504 Program Eligibility:
The Small Business Concern must be operated for profit and fall within the size standards set by the SBA (Tangible Net Worth LESS THAN $7.5 million and Average Net Income DOES NOT exceed $2.5 million after taxes for the preceding two years). Loans cannot be made to businesses engaged in speculation or investment in rental real estate.

Use of Proceeds:
Purchasing land and improvements, including existing buildings, grading, street improvements, utilities, parking lots and landscaping.
Construction of facilities or modernizing, renovation.
Purchasing long-term machinery and equipment.

Maximum Debenture:
$1,500,000 when meeting the job creation criteria or development goal.
$2,000,000 when meeting a public policy goal.
$4,000,000 for small manufacturers.

Eligible Property Types:
Office: Professional, Condominium, Medical, Dental, Veterinarian.
Industrial: Heavy and Light Manufacturing, Warehouse, R&D Flex.
Retail: General.
Special Purpose: Assisted Living Facilities / Adult Care, Day Care Facilties, Restaurants, Funeral Homes and Hotels/Motels.

Maximum Loan Amount:  1st DOT/Mortgage – $4,000,000

Maximum LTV:  50% LTV - Lower of Cost or Appraised Value.


For extended SBA 504 guidelines, Click Here      


To Apply, Click Here

​SBA LOANS (7A AND 504)

($350,000 - $4,000,000; Min Credit score: 680; Restrictions apply)

SBA 7(a) Program Overview

The SBA 7(a) loan program provides financing to expand, acquire or start a small business and is based on several factors, including the ability to repay, the purpose of the loan proceeds, and the useful life of the assets financed. 

Typical Project Structure:
   75% to 90% LTV 1st DOT/Mortgage
   10% to 25% Equity Injection

SBA 7(a) Eligible Use of Proceeds:
To purchase land or buildings, to cover  construction or expansion.
To acquire equipment, machinery, furniture, fixtures, supplies.
For long-term working capital. 
To refinance existing business indebtedness.  
For short-term working capital needs.

For financing against existing inventory and receivables.

Eligible Property Types:
Office: Professional, Condominium, Medical, Dental and Veterinarian.
Industrial: Heavy and Light Manufacturing, Warehouse and R&D Flex.
Retail: General.
Special Purpose: Assisted Living Facilities / Adult Care, Day Care Facilties, Restaurants, Funeral Homes and Hotels/Motels.

Maximum Loan Amount:  1st DOT/Mortgage – $2,000,000.

Maturity and Amortization:
    Real estate – Up to 25 Years
    Business acquisition – Up to 10 Years
    Equipment acquisition – Up to 10 Years
    Debt refinancing – 7 to 10 Years
    Permanent working capital – Up to 7 Years

Maximum LTV:
   Real estate – Up to 90% LTV
   Business acquisition – Up to 80% LTC
   Equipment acquisition, Up to 100% LTC fully collateralized.


​For extended SBA 7a guidelines, Click Here   


Copyright 2018 Capital Palm Partners, Inc. All rights reserved.

Tel: 1-407-278-1466​