How much equity will SBA require from you?

Your minimum contribution on an SBA 504 project, from SOP 50 10 8.1.

Total project cost

All costs required to become operational, not just the loan amount.

Has the business been generating revenue from its intended operations for more than one year?

Yes, more than a year No, a year or less

SBA's test is the age of the business, not the experience of the owner.

What kind of property is the project?

Source: SBA SOP 50 10 8.1, "Technical Policy Updates effective 10.1.2026". General information, not lending advice, and not a commitment to lend. Your CDC and lender make the determination. Calculator by Business Plan Firm.