Small Business Program


504 Loan Program*

The 504 Loan Program* offers long-term, fixed rate financing for major fixed assets to help grow your business and create jobs. 

KDM Financial, in conjunction with a CDC can offer loan amounts up to $10 million.  Highly qualified borrowers may be eligible for a 504* blended rate program with CLTVs of up to 90%.

Eligible businesses for a 504 loan must: 

  • Operate as a for-profit company in the United States or its territories
  • Have a tangible net worth of less than $15 million
  • Have an average net income of less than $5 million after federal income taxes for the two years preceding your application

*For additional information on eligibility criteria and loan application requirements contact us or visit the SBA website directly at

What can a 504 loan be used for?

The Purchase or Refinance of:

They can also be used for improvement or modernization of:

Cannot be used for:

*504 loans are available only through Certified Development Companies (CDCs) and are certified and regulated by the SBA. While KDM Financial is not a CDC, we partner with them to help our potential borrowers utilize this program to bring down the overall cost of their loans.

KDM Financial is a middle market commercial mortgage lender offering financing from $5,000,000.00 to $100,000,000.00 on commercial real estate including multifamily, mixed-use, office, light industrial, self-storage and warehouse property types.

Our common-sense approach gives KDM Financial the ability to provide our mortgage broker network with an easy to use platform and a borrower friendly program. Our goal is to keep the approval process as simple as possible, from the initial screening to approval and all the way to closing.

With our sharply focused approach to customer service and with over 80 years of combine commercial real estate experience we plan on establishing a new bar of excellence.


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