Fixed asset financing for Small Businesses

PCDfc is a non profit CDC authorized by the US Small Business Administration to provide SBA financing for small businesses.

Business Owners

7 Great Tips for Small Business Owners

SBA 504 Permanent Debt REFI

SBA 504 Permanent Debt REFI

SBA 504 Loan program saving money for Small Business Entrepreneurs!

SBA 504 Loan Basics

What is an SBA 504 loan?

SBA 504 Loan Advantages

Why the SBA 504 Loan Program is Best for Your Growing Company… Lower down payments — as low as 10%*, allowing a borrower to reserve valuable operating capital and keep cash in the business to meet operating needs. *(Additional borrower contribution applies to new/start up businesses and single purpose projects (i.e. car wash, hotel, gas stations,...

Loan Criteria

Is the SBA 504 Program Right for Your Small Business? Your Business Qualifies if: It is a for profit business. Net worth is under $15 million and profit after tax is under $5 million. Start up or existing business. Applicant must occupy 51% of real estate purchased or 60% for newly constructed building. Owners of...

SBA 504 Loan Structure

504 Financing works best on general projects up to a total of $13.5 million. Example:   $3,750,000 Construction Project Security   $ %   1st Lein   Private Sector Lender/   Bank Loan 1,875,000  50    2nd Lein   SBA/CDC Loan 1,500,000  40      Borrower 375,000  10        Total     $3,750,000 ...

What to Expect – Step by Step

Applying for Your SBA Loan   Our loan Specialist assemble the corporate, financial and personal information required for your application and SBA loan package. On a parallel track your bank is securing approval of the first-lien mortgage of your finance package. Our loan Specialists will coordinate closely with your bank to avoid process duplication. Next,...

FAQ’s

Here are some frequently asked questions. If you find you still have questions one of our loan specialist staff members will be happy to help you.  Call 610-898-6045 or email. Check out our resources page  for forms, helpful links and other valuable resources. What is a CDC? CDC stands for Certified Development Company. Most CDC’s...

Learn about the VetLoan Advantage

  The US Small Business Administration (SBA) 504 Loan Program provides up to 90% financing for owner-user commercial/industrial real estate.  In addition to a low down payment (typically 10%), borrowers can take advantage of attractive long term fixed rates. A qualified small business must occupy 51% or more of the commercial/industrial real estate, must be...