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SBA 7(a) & 504 Highlights
- Loan amounts from $100,000 up to $15 million+ (program-dependent).
- Up to 90% financing for eligible acquisitions, real estate, and equipment.
- Use funds for working capital, refinance, expansion, and partner buyout.
- Longer terms (up to 25 years on real estate) to keep payments manageable.
Understanding SBA 504 Refinance Rules in Texas: A Guide for Business Owners
John, a small business owner in Austin, Texas, had been running his manufacturing company for over a decade. Despite steady growth, rising interest rates and looming debts were becoming a concern. John knew he needed a financial strategy to stabilize his cash flow, but the options seemed daunting. That’s when he discovered the SBA 504 refinance program.
- Understanding SBA 504 Refinance Rules in Texas: A Guide for Business Owners
- What is the SBA 504 Refinance Program?
- Who Needs SBA 504 Refinancing?
- Why Texas Businesses Benefit
- Credit Score and Approval Process
- Common Mistakes Texas Business Owners Make
- Case Study: A Texas Success Story
- FAQs About SBA 504 Refinance
- Take the Next Step with GHC Funding
What is the SBA 504 Refinance Program?
The SBA 504 refinance program offers small business owners a chance to restructure existing debt related to real estate and equipment. This program is designed to help businesses improve cash flow by refinancing existing debt at lower interest rates, with long-term, fixed-rate financing. It’s particularly beneficial for Texas businesses facing fluctuating market conditions and increasing property values.
In Texas cities like Dallas, Houston, and San Antonio, where the real estate market is competitive, this program can be a game-changer for business owners. By refinancing through the SBA 504 program, they can secure stability and focus on growth.
Need capital? GHC Funding offers flexible funding solutions to support your business growth or real estate projects. Discover fast, reliable financing options today!
⚡ Key Flexible Funding Options:
GHC Funding everages financing types that prioritize asset value and cash flow over lengthy financial history checks:
DSCR Rental Loan
- No tax returns required
- Qualify using rental income (DSCR-based)
- Fast closings ~3–4 weeks
SBA 7(a) Loan
- Lower down payments vs banks
- Long amortization improves cash flow
- Good if your business occupies 51%+
Bridge Loan
- Close quickly — move on opportunities
- Flexible underwriting
- Great for value-add or transitional assets
SBA 504 Loan
- Low fixed rates through CDC portion
- Great for construction, expansion, fixed assets
- Often lower down payment than bank loans
🌐 Learn More
For details on GHC Funding's specific products and to start an application, please visit our homepage:
- Lower monthly payments
- Fixed interest rates
- Long-term stability
Who Needs SBA 504 Refinancing?
If you’re a business owner struggling with high-interest debt or unpredictable payments, the SBA 504 refinance program might be your solution. It’s particularly useful for those with significant real estate or equipment costs. With Texas’s diverse economy, from technology in Austin to energy in Houston, many sectors can benefit.
Consider the following:
- Your current interest rates are high
- Debt payments are affecting your cash flow
- You own commercial real estate or significant equipment
Why Texas Businesses Benefit
Texas is a hub of opportunity, but it also presents unique challenges. Cities like Fort Worth and El Paso have seen real estate prices soar, making refinancing an attractive option to manage costs. With the SBA 504 program, you can lock in lower rates and avoid the unpredictability of future increases.
Additionally, Texas’s growing economy means more competition. Businesses that manage their finances effectively are better positioned to thrive.
Credit Score and Approval Process
To qualify for the SBA 504 refinance program, business owners in Texas typically need a credit score of at least 680. The approval process generally takes 60 to 90 days, allowing for thorough evaluation and processing.
Common Mistakes Texas Business Owners Make
Despite the advantages, some business owners in Texas make avoidable mistakes:
- Not reviewing their current loan terms thoroughly
- Underestimating future cash flow needs
- Failing to consult with financial advisors
- Overlooking the importance of maintaining a strong credit score
Case Study: A Texas Success Story
Consider the case of a tech company in Plano, Texas. Facing high-interest debt on a $2 million property, they opted for the SBA 504 refinance program. By refinancing, they reduced their monthly payments by 20% and secured a fixed interest rate, providing the financial stability needed to invest in new technology and staff.
FAQs About SBA 504 Refinance
- What types of debt can be refinanced? Primarily debt related to real estate and equipment.
- Can I refinance more than one loan? Yes, multiple loans can be consolidated.
- Is there a prepayment penalty? It depends on the loan terms, but typically, there are no penalties after the first half of the loan term.
- What are the fees involved? Fees can include appraisal, title, and legal fees, usually rolled into the loan.
- Do I need collateral? Yes, typically the property or equipment serves as collateral.
- How does this affect my taxes? Consult with a tax advisor to understand specific implications.
Get a Free Rate Today
Compare our top-rated commercial and investment property loan programs below.
- No income verification
- 30-year fixed | Interest-only available
- Great for rental properties + STR
- Fast approvals
- Working capital + business acquisition
- Up to $5M
- Low down payment
- Long-term financing
- Owner-occupied CRE
- Low fixed rates | 25-year terms
- Great for business expansion
- Refinance available
- Best for stabilized properties
- Competitive rates
- 12–25 year terms
- Lower fees than private lenders
Compare Loan Types
Find the Right Financing for Your Real Estate or Business Project
| Loan Type | Best For | Rates | Terms | Highlights | Apply |
|---|---|---|---|---|---|
| DSCR Loan | Rental properties (LTR & STR) | 5.99%+ | 30-year fixed, IO options | No income docs, fast approvals, great for investors | Check My Rate |
| Construction Loan | Ground-up, fix & build, major renovations | 8%–12% depending on scope | 12–24 months interest-only | Flexible draws, great for builders & developers | Get a Quote |
| SBA Loan | Business acquisition, working capital, CRE | Prime + spread | 10–25 years | Lowest down payments, long terms, best for business growth | See My Options |
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Read more →Take the Next Step with GHC Funding
Are you ready to stabilize your financial future and grow your Texas business? Contact GHC Funding today to learn more about the SBA 504 refinance program and how it can benefit your business. Our team of experts is here to guide you every step of the way, ensuring you make informed decisions tailored to your unique needs.
Don’t let high-interest debt hold you back. Empower your business with smart refinancing options.
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Get a No Obligation Quote Today.
Use these trusted resources to grow and manage your small business—then connect with GHC Funding
to explore financing options tailored to your needs.
GHC Funding helps entrepreneurs secure working capital, equipment financing, real estate loans,
and more—start your funding conversation today.
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