Industries
SBA 504 Financing for Manufacturers
Manufacturing is the industry the 504 program favors most. Small manufacturers get an SBA portion of up to $5.5 million per project instead of $5 million, and a job standard of one job per $150,000 instead of $95,000. Plants, heavy equipment and expansions, with 10% down and a rate fixed for the term.
The 504 for Nevada manufacturers
Plant, heavy equipment and the public-policy terms that manufacturers qualify for.
Why manufacturers choose a 504
A plant is a long-lived asset with a long payback, and a manufacturer's balance sheet is usually heavy in equipment and light in cash. The 504 matches the loan to the asset: 10, 20 or 25 years, fixed on the SBA portion, with the equipment itself eligible when it has a useful life of ten years or more.
What the money can buy
- An existing industrial building, or ground-up construction of a plant
- Expansion of an existing facility; loading docks, power, HVAC and process infrastructure
- Production equipment with a long useful life: CNC and machining centers, presses, extrusion and molding lines, cranes, ovens, packaging lines
- Land as part of the project
- Eligible refinancing of existing plant and equipment debt
The manufacturer's advantage, in numbers
| Maximum SBA portion | $5.5 million per project (standard: $5 million) |
| Job standard | One job per $150,000 of SBA funding (standard: $95,000) |
| Who counts | NAICS sectors 31–33 with the majority of employees in the U.S. |
Nevada examples
Nevada manufacturers that own the floor their machines are bolted to.
The structure, whatever the industry
A bank first mortgage, NSDC's fixed-rate SBA portion, and your equity. Start-ups and special-purpose properties put in more.
- 50% Bank or credit union First lien. Its own rate and term.
- 40% SBA 504 through NSDC Second lien. Fixed for 10, 20 or 25 years.
- 10% You Cash or equity you already hold.
Eligibility, in brief
Your business operates for profit; tangible net worth is under $20 million and average net income under $6.5 million; you'll occupy at least 51% of an existing building or 60% of new construction; and the money buys real estate, long-life equipment, or eligible refinancing. The full requirements, with sources.
The timeline
Prequalification is free, with an answer within three business days. Full SBA approval typically takes two to three weeks, and most NSDC loans close within 45 days, because as a Premier Certified Lender NSDC approves in-house. The four phases.
Why NSDC
Nevada's oldest, largest and only statewide CDC, lending since 1981: 2,350+ loans, $1 billion+ in SBA financing, 23,914 jobs supported, from offices in Las Vegas and Reno, serving Nevada, Mojave County, Arizona, and eleven eastern California counties. About NSDC.
This page is for general informational purposes only and does not constitute legal, tax, or financial advice. Figures verified September 2026.
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Full Tilt Logistics, NSDC borrower · 2,350+ loans since 1981