504 loan (real estate and major equipment)

Long-term SBA financing for buying or building real estate and major equipment, through a Certified Development Company. For-profit only.

Amount: Not stated consistently (SBA's page shows two different maximums)
Can a for-profit school apply?: Yes, a for-profit school can apply
Deadline: Rolling
Who this fits: Microschool · Private schoolFor a for-profit school buying or building its own building. Nonprofits can't use it.
New schools: Not stated for new schools
Where: National
Last checked: Oct 1, 2026on sba.gov

Apply on the funder’s site

Unconfirmed: check with the funder

We couldn’t confirm these on an official page. Treat them as open questions, not facts.

The maximum loan amount: SBA's page currently shows two different figures.

How to apply

Step 1: Ask an Arkansas Certified Development Company (ACC Capital or LiftFund) about a 504 loan

Funders change their requirements. Check the official page before you apply. Getting ready? See what funders usually ask for.

Who can apply

“To be eligible for a 504 loan, your business must: Be an operating business Operate for profit Be located in the U.S. Be small under SBA size requirements Not be a type of ineligible business”

In the funder’s own words, from sba.gov, checked Oct 1, 2026.

SBA says these loans “cannot be made to businesses engaged in nonprofit, passive, or speculative activities.” ACC Capital and LiftFund advertise 504 loans in Arkansas.

Operate for profit
For buildings/major fixed assets

Timing

Rolling.

Who can apply

“To be eligible for a 504 loan, your business must: Be an operating business Operate for profit Be located in the U.S. Be small under SBA size requirements Not be a type of ineligible business”

In the funder’s own words, from sba.gov, checked Oct 1, 2026.

SBA says these loans “cannot be made to businesses engaged in nonprofit, passive, or speculative activities.” ACC Capital and LiftFund advertise 504 loans in Arkansas.

Operate for profit

For buildings/major fixed assets