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SBA 7(a) & 504 Business Loans

Find the perfect size loan for your small business needs

With the help of an SBA 7(a) or 504 business loan, you can receive funds for manufacturing equipment, commercial real estate, technology or inventory, debt refinancing, and more.


Government-backed SBA loans offer small business benefits that many traditional loans can't. As a preferred SBA lender in San Francisco and the North Bay, we're here to support your unique business needs.

SBA 7(a) business loan highlights

Variety of uses

An SBA 7(a) loan provides you flexibility. Use the funds for debt refinancing, equipment and real estate purchases, acquisitions, and more.

Flexible loan amounts

With loan amounts between $50,000 and $5,000,000, you can find the right financing for your business.

Flexible loan terms

Depending on how the loan is used, you can have terms ranging from 7 to 25 years.

For-profit businesses only

Your business must be for-profit to qualify.

And more...

504 business loan highlights

Finance up to 90% of your project’s value

Feel the excitement that comes from knowing that up to 90% of your project can be covered by your business loan.

Fixed-asset financing

Purchase major business assets including property and long-term machinery to help your business operate.

Specific uses

Qualified fixed assets can be paid for with 504 loan funds. This loan cannot be used for certain expenses such as debt consolidation or refinancing, rental real estate, working capital or inventory expenses, etc.

For-profit businesses only

Your business must be for-profit to qualify.

And more...

How it works

Follow these steps in order to apply for the loan that best fits your business needs.

  • 1

    Apply online

    Complete an application for the loan you seek.

  • 2

    Get approved

    You will be notified if your business qualifies for a loan.

  • 3

    Use the funds

    Pay for qualifying business expenses with the help of your business loan.

Apply for an SBA Loan


SBA 7(a) Loans

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504 Loans

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Best for
Working capital, commercial real estate, equipment
Facility renovation or construction, machinery for long-term use
Working capital
Land and building purchases
Acquiring existing business
Refinance debt

Why Choose RCU?

At RCU, we’re passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.

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Named one of America’s Best Credit Unions by Newsweek

America's Best Small Employers by Forbes 2023

Recognized by Forbes as one of America’s Best Small Employers 2023

Member Emily from The Tail Haven shares how RCU has helped her business.

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.

Help your business reach its full potential

With the help of either an SBA 7(a) or 504 Business Loan, you can receive funds for many needs, from manufacturing equipment to commercial real estate. These loans are perfect if your business needs a little more money to grow to meet its demands.