SBA lender · 504 / CDC program
504 Capital Corporation
504 Capital Corporation has approved 803 SBA loans worth $550.3M since FY2010 - the #181 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#181
0.11% of all SBA dollars
Total approved
$550.3M
FY2010 onward
Loans
803
Median loan
$412,000
+129% vs national
Median rate
-
7(a) only
Charge-off rate
1.5%
137 resolved FY10-19 loans
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What 504 Capital Corporation’s numbers say
504 Capital Corporation sits solidly inside the SBA lending field, having approved 803 loans for a gross total of $550.3M since fiscal 2010. Its median loan of $412,000 is substantially larger than the $180,000 national median, a pattern that usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
Of its FY2010-FY2019 approvals that have reached a terminal status, 1.5% were charged off, 6.1 points below the national figure of 7.6%. Read that as a description of the credit box a lender chose, not as a verdict on it: lenders serving newer businesses and thinner files will always show higher losses than those writing large, collateralised acquisition loans.
Roughly 10% of its approvals with a recorded business age went to startups or businesses two years old or less, against 27% nationally - a book weighted toward established operators.
Where 504 Capital Corporation lends
| State | Loans | Share |
|---|---|---|
| Virginia | 685 | |
| North Carolina | 93 | |
| Maryland | 21 | |
| District of Columbia | 3 | |
| West Virginia | 1 |
What it lends against
Franchise brands 504 Capital Corporation financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Jimmy John's | 4 | $696K | |
| Servpro | 3 | $1.1M | |
| Motel 6 | 3 | $2.2M | |
| Extended Stay America Suites | 3 | $10.5M | |
| Kiddie Academy | 3 | $8.0M | |
| Zaxby's | 2 | $583K | |
| Popeyes Louisiana Kitchen | 2 | $747K | |
| Amoco Oil | 2 | $1.2M |
Brands with the most 504 Capital Corporation SBA loans, among brands with at least 10 loans in the file. Compare lenders across all franchise lending on SBA lenders for franchises.
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Questions about 504 Capital Corporation
- How many SBA loans has 504 Capital Corporation approved?
- 504 Capital Corporation has approved 803 SBA loans totalling $550,324,000 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #181 among all SBA lenders by dollars approved.
- What is the typical 504 Capital Corporation SBA loan size?
- The median gross approval is $412,000, with the middle 80% of loans falling between $126,000 and $1,535,000. The national median across all SBA lenders is $180,000.
- What is 504 Capital Corporation's SBA loan charge-off rate?
- 1.5% of its FY2010-FY2019 approvals that have reached a terminal status were charged off, against a national figure of 7.6%. A charge-off rate reflects the borrowers a lender chose to underwrite as much as anything else, and is not a measure of service quality.
Where to go from here
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