FDIC-Insured—Backed by the full faith and credit of the U.S. Government
1
Gather Documents
Have your business financials and plans ready before you apply.
SBA 504 Loans
Long-term financing that may offer lower down payment options for eligible owner-occupied real estate, expansion and equipment projects.
Business Lending
Built for what's next
When you're ready to buy, build or expand, the SBA 504 program is one of the most effective ways to finance it. It's designed for owner-occupied commercial real estate, expansion and construction projects, and major equipment purchases, with long-term financing, lower down payment requirements and a cost-effective structure for fixed assets. At Centreville Bank, SBA 504 is our specialty. You'll work with an experienced business lending team and local decision-making, backed by a mutual bank that has served Rhode Island and eastern Connecticut for nearly 200 years.
What It's Best For
- Owner-occupied commercial real estate
- Business expansion and construction
- Major equipment and machinery purchases
Why Centreville Bank
- SBA 504 Lender of the Year
- More than $1.6 billion in commercial loans (as of 12/31/25)
- Local relationship support and experienced credit guidance from a Rhode Island-based team
Getting Started
Start in Three Steps
Getting started with an SBA 504 loan begins with a conversation and a review of your business goals.
2
Talk to a Lender
Connect with our business lending team to review your options.
3
Move Forward
Get a local decision and guidance through the SBA process.
Common Questions
SBA 504 Loan FAQs
Common questions about the SBA 504 program at Centreville Bank.
Owner-occupied commercial real estate, business expansion and construction, and major equipment and machinery purchases.
Get Started
Reach Your Potential
Contact our business lending team to explore an SBA 504 loan for your business.
Contact A Lender
Disclosure:
Loans are subject to credit approval. Terms, conditions, collateral requirements, and eligibility requirements apply. SBA 504 loan programs are subject to SBA eligibility and program requirements.