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These loans had been created by the SBA for owner-occupied real-estate or long-lasting gear acquisitions. The 504 SBA loan is prepared utilizing two loans: one through the personal sector (a bank or old-fashioned loan provider) and something from the non-profit or Certified Development business. SBA 504 loans need at the least 10% down, causeing this to be a low-down-payment selection for property investors. Benefits and drawbacks of SBA loans Cheapest