SBA 504 / CDC Fixed-Asset Loan

What is it?

DirectLenderMatch classifies SBA 504 / CDC Fixed-Asset Loan under the financing form “Government-backed fixed-asset financing.” Its typical use in this directory is: Long-term major fixed assets.

How does it work?

The structure is generally evaluated, supported, or secured using the following basis: Owner-occupied real estate/equipment. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.

What can it be used for?

Long-term major fixed assets.

What backs or supports it?

Owner-occupied real estate/equipment.

Why does this structure exist?

This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.

Important considerations

Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.

Is this actually a loan?

Loan or credit structure

Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.

Verified lenders or providers

Direct bank lender in SBA 504 structure

Byline Bank

Byline currently offers SBA 504 financing and describes the bank/CDC structure.

Official evidence page →

Last verified: 2026-08-23