SBA 504 Loan Pricing Guide

Use the below to calculate loan pricing and property eligibility. Click here to download a PDF of our Loan Pricing Guide.


1. DETERMINE LOAN ELIGIBILITY | EVALUATE OUR UNDERWRITING GUIDELINES

Please carefully review Liberty’s SBA 504 Underwriting Parameters document (click to download) to determine business and sponsor credit eligibility. Liberty will consider non-conforming deals for mixed use properties only in tier 1 and 2 markets.


2 CALCULATE BASE COUPON | USE OUR LOAN PRICING MATRIX

Please note that borrower pays a 1% loan origination fee on the first lien loan and interim second lien loan amount to Liberty SBF at close. Reference Liberty’s SBA 504 Underwriting Parameters document for Property Type definitions. Liberty will consider loans in Tier 3 geo on a select basis.

    CALIFORNIA TIER 1
GEO
TIER 2
GEO
MIXED USE CONFORMING S + 2.25% S + 2.50% S + 2.75%
NON-CONFORMING S + 3.25% S + 3.50% S + 3.75%
HOSPITALITY   S + 3.25% S + 3.50% S + 3.75%
SPECIAL PURPOSE   S + 3.50% S + 3.75% S + 4.00%

3. EARN REFERRAL FEE | PAID AT CLOSING

Qualified referral sources can earn 1% by adding 25 bps of yield spread to the base rate. Ask an originator how to qualify for additional rebates on every transaction.