Helping Small Businesses Succeed Since 2002

SBA 504 loans in PA – The smart way to finance your business dreams

We help Pennsylvania businesses accelerate their growth and preserve capital with a low-interest rate, low-money-down SBA 504 loan.
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NEDCO supports regional growth through 504 loans.

Empowering your business success – 504 loans with low down, low fixed rates, and no balloon payments.

The Northeastern Economic Development Company of Pennsylvania is a non-profit organization focused on advancing the economic growth of communities in the region. Its primary tool for achieving this goal is the SBA 504 Loan Program, which helps small businesses secure financing for fixed-asset projects. The NEDCO team will support the process by evaluating loan packages, submitting recommendations to the SBA, and overseeing the loan closing and servicing.





Over 98% of US businesses qualify for 504 loans.

For Borrowers

A 504 loan benefits a borrower by providing access to capital with lower down payment requirements, low fixed interest rates, long-term financing, no balloon payments, lower costs, improved cash flow, and favorable loan terms.

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Collateralized, government-guaranteed, low-risk lending.

For Lenders

A 504 loan benefits a lender by reducing risk through the SBA guarantee, increasing portfolio diversification, accessing new markets, having a positive community impact, offering a more attractive loan structure, and providing an attractive yield.

SBA 504 Loan for Your Small Business: An Overview

Secure Your Business’s Future with an SBA 504 Loan

The SBA 504 loan program is an excellent option for small business owners looking to purchase real estate, heavy equipment, or other fixed assets. With up to $5 million in financing and a loan term of up to 25 years, this program has proven popular among small business owners.

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Bridge Your Financing Gap with 504 Loans

Our 504 bridge loans provide interim second mortgage financing for our commercial lending partners during their transition phase.

SBA 504 Loan Borrower Requirements

To be eligible for an SBA 504 loan, there are several requirements that a small business must meet.

The 504 SBA loan program is offered by the U.S. Small Business Administration (SBA) to help small businesses purchase or renovate commercial real estate or buy large equipment. However, to be eligible for a 504 SBA loan, there are several requirements that a small business must meet.

These requirements include size eligibility, use of funds, job creation or retention, creditworthiness, collateral, personal investment, and environmental compliance. Small businesses must be considered “small” according to SBA size standards, and the funds must be used for specific purposes like buying real estate or equipment. The small business must also have collateral, and the owners must make a personal investment of at least 10% of the total project cost. By meeting these requirements, small businesses can qualify for a 504 SBA loan and get the financing they need to grow and expand their operations.

Business size eligibility

Small businesses must meet the SBA’s size standards, which vary by industry. Generally, a small business must have a net worth of less than $15 million and an average net income of less than $5 million over the previous two years.

Use of funds

The 504 loan program is designed to help small businesses purchase or renovate commercial real estate or purchase large equipment. The funds cannot be used for working capital or inventory.

Job creation or retention

The project financed by the 504 loan must create or retain jobs.


The small business must have a reasonable ability to repay the loan.


The 504 loan requires collateral, including the financed property or equipment and personal guarantees from the business owners.

Personal investment

Small business owners must make a personal investment of at least 10% of the total project cost.

Environmental requirements

The small business must comply with all applicable environmental laws and regulations.

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504 Loan Spotlight

Ertley Kia Automobile Dealership of Moosic, PA

Small businesses play a crucial role in the economic development of communities nationwide. The Northeastern Economic Development Company of PA-CDC, Inc. (NEDCO) is committed to supporting their growth and success. As part of this mission, NEDCO offers a unique federal loan program for small businesses to help them acquire long-term fixed assets and improve their facilities. Recently, NEDCO announced a $1.2 million Small Business Association (SBA) loan program guarantee for the Ertley Kia Automobile Dealership of Moosic, PA. The loan will enable Ertley Dealership to invest in an expanded floor plan for its growing Kia auto inventory, and NEDCO is proud to have supported the company’s future growth and prosperity. This case study explores the details of NEDCO’s SBA-backed loan program and the impact it is having on small businesses like Ertley Dealership.

Read the case study
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Trusted By Pennsylvania Small Businesses Since 2002


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Get In Touch

Contact us, and let’s build a better future for your business! At Northeastern Economic Development Company of Pennsylvania, we’re passionate about helping small businesses thrive. Whether you need financing to purchase commercial real estate or invest in large equipment, our team of experts is here to assist you every step of the way.

With our extensive knowledge of the SBA 504 Loan Program and our commitment to economic development, we can provide you with the support and resources you need to achieve your goals. Contact us today to learn more about how we can help your business grow and succeed. Let’s make a positive impact on your community together!

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