Pacific Enterprise Bank
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SBA 504 Loan

SBA 504 loans provide long-term, fixed-rate financing.  This loan typically includes a 10% down payment by the borrower, a 1st Deed of Trust loan provided by Pacific Enterprise Bank equal to 50% of the purchase price, and a 2nd Deed of Trust loan equal to 40% of the purchase price.  This 2nd Deed of Trust is obtained through the assistance of a local Certified Development Company (CDC).  


  • As little as 10% down
  • Long-term fixed rate 
  • Low blended rates
  • Up to 25 year amortization 


  • Purchase commercial real estate
  • Purchase new equipment
  • Construction
  • Refinancing existing loans

Example: $1,000,000 Purchase Price

  • 50%- 1st TD; $500,000 (Pacific Enterprise Bank
  • 40%- 2nd TD; $400,000 (CDC with bridge loan by Pacific Enterprise Bank)
  • 10%- Borrower $100,000 Down payment
  • Prepayment penalties do apply and vary depending on maturity and rate options
  • Personal guarantees of the principal owners are required

For Inquiries:
Tobias Halbmaier

Phone: (949) 623-7585

Equal Housing LenderFDIC