February SBA 504 Rates

Note: 10-year 504 loan fundings occur on an every other month basis. The above rate reflects the 10-year 504 rate for the January, 2025 funding. The above rates are based on loans approved during FY 2025 ending on September 30, 2025.

Stop Paying Rent – Own Your Business Property with an SBA 504 Loan

Are you tired of paying rent and helping your landlord build equity instead of yourself? An SBA 504 loan could be the key to owning your business property with terms that make financial sense.

Here’s why buying your building with an SBA 504 loan is a smart move:

✅ Low Down Payment – As little as 10% down, preserving your cash for business growth.
✅ Fixed, Below-Market Interest Rates – Lock in long-term stability with rates that beat conventional financing.
✅ Long Loan Terms – Enjoy terms of 20 to 25 years, keeping monthly payments manageable.
✅ Equity Building – Instead of rent going to your landlord, you build equity in your own property over time.
✅ Predictable Costs – No more worrying about rent increases—you control your occupancy costs.

If you’ve been considering making the transition from tenant to owner, now is a great time to explore your options. Let’s discuss how an SBA 504 loan can help secure your business’s future.

Feel free to reach out with any questions or to start the conversation.

Debby Gustafson

Sheil Nelson

Mike Kinderman

Michael Kinninger

Questions about a potential 504 loan?

Our lending staff can be reached at their direct numbers listed below-

Debby Gustafson 651.302.7234 debby.gustafson@tcmcdc.com
Angie Way 651.302.7228 angie.way@tcmcdc.com

Sheil Nelson 651.302.7226 sheil.nelson@tcmcdc.com
Rachel Edgar 651.302.7225 rachel.edgar@tcmcdc.com

Mike Kinderman 651.302.7239 mike.kinderman@tcmcdc.com
Samantha Horab 651.302.7232 samantha.horab@tcmcdc.com
Michael Steck 651.302.7233 michael.steck@tcmcdc.com

Michael Kinninger 651.302.7240 michael.kinninger@tcmcdc.com
Heidi Pautsch 651.302.7227 heidi.pautsch@tcmcdc.com

To reach our main office, please call 651.481.8081 or toll-free at 1.888.481.4504.

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About Us
TCM has been a leader in SBA 504 financing since its inception in 1990. TCM provides SBA 504 lending throughout the state of Minnesota and select counties in Wisconsin including Polk, Barron, St. Croix, Dunn, Pierce, Pepin, Buffalo, Trempealeau, and LaCrosse. For more information about TCM and the SBA 504 financing tool, visit www.504lending.com.