We Are the SBA 504 Loan Experts

SBA Lending

Specializing in the SBA 504 loan for the past 15 years, we’ve simplified the process for small business owners to obtain a 504 loan to purchase or construct owner-occupied commercial real estate. Contact us to learn how the 504 loan can benefit your business.

504 Loan Basics

Small Business Financing

We have the experience and expertise to help entrepreneurs realize their dreams of owning their commercial real estate by providing them with small business loans across virtually every type of eligible business and property types.

Property Types Financed

Construction Expertise

A construction loan has many moving parts, and with Mercantile you’re not just getting a lender, you’re getting a partner who’s will guide you through what can be a complex process. Whether building a new facility or just making renovations put our expertise to work.

Construction Ability

Contact Mercantile Capital Corporation to Speak
to One of Our SBA 504 Loan Experts

Contact Us

Since 2002
We've Been Busy . . .

  • 718 Loans with the SBA Loan Program
  • $2.301 billion financed
  • 12,015 jobs created and retained
  • 40 states, Puerto Rico, and D.C.
Owning commercial property is one of the quickest ways for business owners to create wealth. It can get pretty complicated, but we specialize in making the commercial real estate purchasing process very simple for small business owners and their advisors.
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New 25 year SBA debenture

New: 25-Year Debenture

The SBA now offers a new 25-year debenture rate. This allows small business owners to lock in below-market, fixed-rate financing for an even longer period, which means lower monthly payments and more control over cash flow.

Call us at 1-866-622-4504 to learn more!

Current SBA 504 Rates



25-year refi




20-year refi




10-year refi


*Full-term effective rates as of September 2018 shown – includes all servicing fees.

Understanding the SBA 504 Effective Interest Rate >>
SBA 504 loan refinance

SBA 504 Debt Refinance:

Small business owners can now access equity trapped in their commercial real estate and reduce their debt payments by refinancing their conventional real estate loans through the SBA’s Permanent 504 Refinance Program.

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Contact Mercantile Capital Corporation to Speak
to One of Our SBA 504 Loan Experts

Contact Us
Mercantile's SmartChoice Loan Calculator

SmartChoice Loan Calculator

Our free commercial loan calculator for small business owners who want to make smarter financing decisions! (Also a great tool for folks who advise small business owners.)

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