Advantages of SBA 504 Loans Low down payment (typically 10%) helps you conserve working capital. Fixed interest rate eliminates interest rate risk and lets you plan for future cash flow demands. Long-term financing (10- or 20-year terms) results in lower monthly payments. Below-market interest rate gives you the freedom to put your money to its best use. Learn more and apply at Self-Help’s SBA 504 program site: http://www.selfhelp504.org Ric Raines used an SBA 504 loan from Self-Help to expand his manufacturing business, Bakers Waste Equipment, into a bigger and more central location. He's since hired 50 new employees.