What you can get
A long-term loan for approved business property and major equipment.
Who it's for
For-profit U.S. small businesses buying or improving approved property or major equipment.
What you need to know
- Meet the small-business financial and repayment rules.
- Working capital, inventory and passive rental investment do not qualify.
- All owners must be U.S. citizens or U.S. nationals living in the U.S. or its territories.
- Apply through an SBA-approved Certified Development Company and its lending partner.
More details and sources
Full program information
Official program name: SBA 504 fixed-asset financing
Benefits and limits
Long-term financing for eligible business buildings and major fixed assets.
Full requirements
For qualifying for-profit U.S. small businesses meeting SBA financial, size and repayment standards. Apply through a Certified Development Company working with a senior lender. For 7(a) and 504, the SBA notice effective March 1, 2026 requires all direct and indirect owners to be U.S. citizens or U.S. nationals with their principal residence in the United States, its territories or possessions. Have the lender verify current ownership rules.
Read the program's requirements Checked Oct 30, 2026
Summary of key conditions. Confirm the full current checklist with the provider before applying.
Other conditions
For eligible land, buildings and long-life equipment supporting business growth or jobs. Working capital, inventory and passive rental investment are excluded. Refinancing is restricted to qualifying debt.
Availability and area
Confirm current provider and lender terms
The official provider describes this program. Confirm participating lenders, available support, fees and current terms before relying on financing; approval is not guaranteed.
Read the status update Checked Oct 30, 2026
The provider describes a California or nationwide program whose geographic scope includes Desert Hot Springs. Business, ownership, project and underwriting requirements still apply.
Areas listed in the source
Desert Hot Springs
Where this information comes from
U.S. Small Business Administration (SBA) official program information
Information collected Oct 30, 2026.
Reviewed against primary provider sources on October 30, 2026. Financing is repayable; a lender guarantee or reserve supports the lender rather than creating a cash grant to the borrower.
DHSed is an independent guide. The program makes the final decision about help, amounts and rules.