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SBA 504

Loan Program

Our work with you on a loan application is not a commitment to lend or extend credit.

Are you looking for information on the Paycheck Protection Program? Due to overwhelming demand, BCL of Texas is no longer accepting PPP loan applications.

Applications in progress before 5pm on Tuesday, May 11th, may be accessed via your personal application link and must be completed by 12:00pm CDT on Thursday, May 13th. Our partner PeopleFund is accepting applications. Visit their page here.


Are you ready to build or buy your own commercial building or remodel your current location? Talk to the small business lending experts at BCL of Texas to see if an SBA 504 commercial real estate loan may be right for you.

How Does It Work?

Through this unique program, your bank provides 50% of the financing and SBA provides up to 40% of the financing, with a 10-20% equity injection required.

  • SBA portion up to $5.5 million of total project cost
  • SBA rates fixed slightly below market
  • Term of 10-20 years
  • Bank terms and fees will vary

Benefits for you:

  • Low down payment
  • Low fixed interest rate
  • Conserve your working capital
  • Buy a building or buy land and build it the way you want
  • Use for real estate, equipment, or leasehold improvements
  • Our experienced loan officers are always ready to help
  • Work with the only CDC with a 100% SBA approval rate for 504 loan applications

Call 888-241-2215 to speak to a loan officer today.

Where to Find Us
AUSTIN 1011 San Jacinto Blvd
Suite 500
Austin, TX 78701 P: 512.912.9884 F: 512.912.9869 NMLS #1114924
DALLAS 1322 Record Crossing Dallas, TX 75235 P: 214.688.7456 NMLS #1114924