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SBA 504 Loan Program

This program provides small businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings. It is designed to create employment opportunities by enabling expanding businesses to reserve working capital for growth.

Use of Funds

  • Commercial real property acquisition*
  • New facilities construction*
  • Commercial mortgage refinancing*
  • Heavy construction machinery and equipment purchases

Standard Loan Structure

  • 50% financing from Cathay Bank
  • 40% financing from SBA 504 Loan
  • 10% down payment from borrower


  • Bank portion can be amortized up to 25 years with a 10-year maturity
  • SBA 504 portion can be amortized up to 20 years with a 20-year maturity

Interest Rate

  • Bank portion can be either a fixed or variable rate
  • SBA 504 portion is a fixed rate

Eligibility Requirements

  • Business must be organized for profit
  • Business must meet SBA size standards
  • Business must be located in the United States
For more information on SBA Loans, please visit www.sba.gov.

For all your SBA Loan needs, please contact our SBA Department at
1-866-228-4296 or (1-866-Cathay6), or your local Cathay Bank branch manager.

*Owner occupied commercial real property acquisition.




Consumer Customer Service
6:00 a.m. - 7:30 p.m. Pacific Time, Monday through Friday.

Business Customer Service

6:00 a.m. - 6:00 p.m. Pacific Time, Monday through Friday.

Automated information is available 24 hours a day, 7 days a week.

U.S. customers in Hong Kong can dial toll-free 3710-1400 to contact U.S. Customer Service directly.

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