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A Loan Structure To Keep A Company Strong
The SBA 504 loan is structured to keep a healthy business strong and growing.  The business owner is usually required to contribute only 10% of the total project cost, thereby keeping working capital where it can do the most good... working.  Another 50% is provided by a commercial lender, with DelVal, providing the remaining 40% of the project cost.  DelVal's portion can be from $100,000 to $5,000,000 (can be as high as $5,500,000 for manufacturing companies and others) at a fixed rate for 10 or 20 years.


Typical Loan Structure

  Private Lender SBA 504 Applicant
Percent of Project 50% 40% 10%
Collateral 1st Lien 2nd lien --
Dollar Amount No Limit $100,000 to $5,000,000  --
Interest Rate Market Below Market and Fixed  --
Real Estate Terms 10+ Years 20 Years  --
Equipment Terms 7 Years 10 Years --


DelVal Business Finance Corp.
344 Baltimore Street
Gettysburg, PA 17325
Tel: 717-420-5925
E-mail: mschwartz@delval504.com