Strategic Business Plans for Real Estate & Major Equipment Financing
The SBA 504 loan program is designed for businesses making long-term investments—such as purchasing commercial real estate, building facilities, or acquiring major equipment. Because these loans involve larger amounts and longer terms, lenders and Certified Development Companies (CDCs) require a thorough, well-documented business plan that demonstrates stability, growth, and job impact.
At SBA Business Plan Writer, I create SBA 504 business plans that align with lender expectations and economic development goals.
What Is an SBA 504 Business Plan?
An SBA 504 business plan is a lender-focused document that supports financing for:
- Commercial real estate purchases
- New construction or build-outs
- Facility expansions
- Heavy machinery and equipment
Unlike short-term working capital loans, SBA 504 loans look at:
- Long-term business viability
- Job creation or retention
- Economic impact
- Sustainable cash flow
Your business plan must clearly connect your growth strategy to your capital investment.
When Do You Need an SBA 504 Business Plan?
A business plan is almost always required when applying for an SBA 504 loan, especially if you are:
- Buying or building commercial property
- Expanding your facility
- Upgrading major production equipment
- Relocating operations
- Creating or retaining jobs
- Making a long-term capital investment
In these situations, your business plan becomes part of both the bank underwriting file and the CDC approval process.
What I Include in Our SBA 504 Business Plans
Every SBA 504 business plan we prepare is customized to match your project and financing structure.
Business & Growth Strategy
- Executive Summary
- Company Overview
- Long-Term Vision
- Expansion Plan
- Capital Investment Rationale
Market & Economic Impact
- Industry Overview
- Local Market Analysis
- Competitive Positioning
- Job Creation or Retention Plan
- Community Impact Narrative
Management & Operations
- Ownership & Governance
- Management Experience
- Staffing Projections
- Operational Scaling Plan
Loan Structure & Use of Funds
- SBA 504 Financing Structure Explanation
- Bank Portion vs. CDC Portion
- Detailed Use of Proceeds
- Project Timeline & Milestones
Financial Projections
- 3–5 Year Income Statements
- 3–5 Year Cash Flow Projections
- 3–5 Year Balance Sheets
- Break-Even Analysis
- Debt Service Coverage Analysis
- Capital Expenditure Forecast
Built for Long-Term Approval
SBA 504 lenders and CDCs focus on different questions than standard working capital loans:
- Will this investment strengthen the business long term?
- Does projected cash flow support fixed loan payments?
- Is management equipped to handle expansion?
- Will this project create or retain jobs?
I design every SBA 504 business plan to answer these questions clearly and professionally.
Who This Service Is For
My SBA 504 business plan services are ideal for:
- Business owners purchasing commercial real estate
- Manufacturers investing in equipment
- Medical practices expanding facilities
- Logistics and warehouse operators
- Contractors and construction companies
- Growing service businesses ready for permanent space
Why Work With SBA Business Plan Writer?
- Deep experience with SBA lender expectations
- Business & law school–trained leadership
- 2,000+ business plans delivered
- Millions in SBA-backed funding supported
- Clear coordination with bankers and CDCs when needed
I don’t just write documents—I help structure your funding story for approval.
Ready to Start Your SBA 504 Business Plan?
If you’re planning a real estate purchase, expansion, or equipment investment, your business plan should reflect the long-term value of that decision.
Contact me today to begin your SBA 504 business plan and move forward with confidence.
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