504 Loan Program

We feature the SBA’s 504 Loan Program and have been certified by the SBA since 1982 to promote, negotiate, package, close and service these loans as a trusted agent for the Small Business Administration.

RDFC’s area of concentration includes seventeen counties in western Pennsylvania: Allegheny, Armstrong, Beaver, Butler, Clarion, Crawford, Erie, Fayette, Forest, Greene, Indiana, Lawrence, Mercer, Venango, Warren, Washington and Westmoreland. We also have SBA authorization
to expand lending operations statewide.

Typical SBA 504 Financing Package

Source of Funds	Project Cost
LENDER	50%
RDFC/SBA	40%
BORROWER	10%

• Fixed interest rate (below market)
• 20 year term on commercial real estate
• 10 or 20 year term on machinery and equipment
• Subordinate lien on assets financed
• Minimum equity contribution (10% in most transactions)
• Most small businesses are eligible