Texas Certified is a lending institution based in Austin, TX that specializes in SBA 504 loans for small businesses. They offer low, fixed interest rates for terms of 10, 20, or 25 years, allowing borrowers to make predictable monthly payments and avoid future balloon payments. With the 504 loan program, borrowers can finance up to 90% of their project costs, including soft costs like closing fees and professional fees, while preserving working capital for day-to-day business expenses.
Texas Certified works in partnership with local banks to provide first and second mortgages, with the borrower providing a down payment of typically just 10% of the total project cost. The SBA 504 loan program offers an attractive alternative to conventional loans, allowing small businesses to own their own commercial real estate and equipment, invest in their own company, and benefit from lower monthly payments and better cash flow.
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