
504 Kentucky is the Most Experienced and Most Efficient SBA 504 Loan administrator in Kentucky. We make the process fast and easy.

A business is eligible for 504 funding when it:
The 504 portion of the project is generally 40% of the fixed asset cost. The maximum 504 loan amount is $5 million. Additionally, small manufacturers (certain NAICS codes) and projects addressing energy conservation can obtain a 504 loan up to a maximum of $5,500,000. Projects must be at least 51% owner-occupied for purchase transactions - 60% for new construction.
An existing small business (more than two years old) must provide at least 10% of the fixed asset project cost. In cases where the loan is to a new business (less than two years old) or is for a special purpose building, the business must provide at least 15% toward the project costs. In cases where the loan is to a new business and also for a special purpose building, the business must provide at least 20% or more toward the project cost.
The 504 loan has a significant impact on the economic growth of the community. This is demonstrated either through job creation or retention ($65,000 per job for each 504
dollar spent) or by addressing SBA public policy and community development goals.
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