Get the SBA 504 Refinance Rules in Colorado Now

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Published: December 24, 2025
Categories: blog
Reading Time: 3 minutes read
Article Credits

Contributing Author & Editorial Review

This article was authored and professionally reviewed to provide accurate, actionable financial insights.

GHC Funding

GHC Funding

Contributing Author

Alyssa writes about real estate investing, debt-free strategies, and emerging trends in small business finance with a focus on practical insights.

Samantha Reyes

Samantha Reyes

Senior Content Editor

Samantha specializes in editorial strategy, compliance review, and refining complex finance topics into accessible, reader-friendly guidance.

Content is provided for educational purposes only and should not be considered legal, tax, or financial advice.

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Understanding SBA 504 Refinance Rules: A Guide for Colorado Business Owners

Imagine you own a thriving restaurant in Denver, Colorado. You’ve poured your heart into this business, but the monthly mortgage payments are eating into your profits. You’re not alone. Many Colorado business owners face similar challenges, seeking ways to improve cash flow without sacrificing growth. This is where the SBA 504 Refinance program can make a significant difference.

In this article...

What is the SBA 504 Refinance Program?

The SBA 504 Refinance program is designed to help small business owners refinance existing debt related to commercial real estate or other fixed assets. It’s a strategic tool to lower monthly payments, freeing up cash for other business needs. In plain English, it’s about restructuring debt to make it more manageable.

  • Eligibility: Your business must be for-profit and meet SBA size standards.
  • Loan Amount: Up to $5 million, with specific conditions for certain businesses.

Why Colorado Businesses Benefit

Colorado, with its booming cities like Denver, Boulder, and Colorado Springs, is a hub for entrepreneurs. The state’s vibrant economy presents unique opportunities and challenges. Real estate prices are high, and businesses often struggle with cash flow. The SBA 504 Refinance program can be a game-changer, allowing business owners to leverage equity in their real estate.

Need capital? GHC Funding offers flexible funding solutions to support your business growth or real estate projects. Discover fast, reliable financing options today!

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Best for: Owner-occupied commercial real estate
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RatePrime + spread
Loan amounts$350K – $5M+
TermUp to 25 years
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  • Lower down payments vs banks
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  • Good if your business occupies 51%+
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SBA 504 Loan

Best for: Large CRE acquisitions & refinancing
★★★★★ 4.7/5 (101 reviews)
RateFixed, low CDC rate
Loan amounts$500K – $12M+
Term10, 20, 25 years
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  • Low fixed rates through CDC portion
  • Great for construction, expansion, fixed assets
  • Often lower down payment than bank loans
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Consider this: A small manufacturing company in Boulder used the program to refinance its facility. The result? Lower monthly payments and additional capital to invest in new technology.

Key Requirements and Timeline

Understanding the specific requirements is crucial. Here’s what you need to know:

  • Credit Score: A minimum credit score of 680 is typically required.
  • Approval Time: The process usually takes 60-90 days from application to funding.

Meeting these requirements ensures a smoother application process. But remember, every situation is unique, and working with a financial advisor can provide personalized guidance.

Common Mistakes to Avoid

Many Colorado business owners make avoidable mistakes when applying for the SBA 504 Refinance program. Here are some to watch out for:

  • Not thoroughly reviewing existing loan terms.
  • Underestimating the importance of a solid business plan.
  • Ignoring potential prepayment penalties on current loans.
  • Overlooking the need for accurate financial statements.

A financial advisor can help navigate these pitfalls, ensuring a successful refinance.

Real Case Study: A Colorado Success Story

Consider a retail business in Fort Collins that faced high mortgage payments. By refinancing through the SBA 504 program, they reduced their monthly payment by 25%. This freed up $3,000 monthly, which they used to expand their product line and increase marketing efforts.

This tangible success story highlights the program’s potential to transform a business’s financial landscape.

Frequently Asked Questions

Business owners often have questions about the SBA 504 Refinance program. Here are some common inquiries:

  • What types of debt can be refinanced? Commercial mortgages and other fixed asset-related debts.
  • Is there a prepayment penalty? It depends on the existing loan terms.
  • Can I refinance equipment loans? Yes, if they are part of the real estate package.
  • What are the fees involved? Fees vary, but they are typically rolled into the loan.
  • How does it affect my credit? Properly managed, it can improve your credit profile.
  • Can startups apply? No, the program is for established businesses.

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Compare our top-rated commercial and investment property loan programs below.

DSCR Loan
⭐ 4.8/5
  • No income verification
  • 30-year fixed | Interest-only available
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SBA 7(a) Loan
⭐ 4.9/5
  • Working capital + business acquisition
  • Up to $5M
  • Low down payment
  • Long-term financing
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SBA 504 Loan
⭐ 4.9/5
  • Owner-occupied CRE
  • Low fixed rates | 25-year terms
  • Great for business expansion
  • Refinance available
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Bank / CRE Loan
⭐ 4.7/5
  • Best for stabilized properties
  • Competitive rates
  • 12–25 year terms
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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

Take Action: Contact GHC Funding Today

If you’re a Colorado business owner looking to improve your financial standing, the SBA 504 Refinance program might be the solution you need. At GHC Funding, we specialize in helping businesses like yours navigate these opportunities. Contact us today to learn more and take the first step towards financial freedom.

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