September 2026 Rates!
All In Fixed:
- 10-Year 6.61%
- 20-Year 6.54%
- 25-Year 6.55%
Financing Facilities and Equipment for Your Business
With a minimum of 10% down payment, the SBA 504 loan provides business owners an affordable way to purchase or expand their business facilities.
Carolina Business Capital Board Retreat at the Greenbrier Resort, WV
Our board members, team, spouses, friends, and significant others had a great time at our annual board retreat at the Greenbrier Resort in Sulphur Springs, WV, 10/26/25 through 10/29/25. We toured the famous bunker, participated in a clay pigeon shooting contest, kept the casino lights on for a few more months, and enjoyed a Western-themed dinner (as shown in the picture above). We even worked in a board meeting during all the fun!
To Our Clients, Lending Partners, and Other Friends and Associates:
As this year draws to a close, we want to send you our deepest, most heartfelt wishes. May this holiday season wrap you in warmth, fill your days with gentle laughter, and remind you of the love that surrounds you. We hope you find moments of quiet joy, genuine connection, and peace that settles softly in your heart.
As we step into a new year, may it bring renewed hope, fresh beginnings, and the courage to pursue what lights you up inside. May you be met with kindness, supported by those who care for you, and strengthened by every challenge you rise above.
Here’s to healing where it’s needed, celebration where it’s deserved, and magic in the everyday moments. Wishing you a season of comfort and joy, and a New Year filled with light, meaning, and endless possibilities.
With warmth and gratitude,
The Carolina Business Capital Board of Directors, the CBC Team, Their Spouses, Friends, and Significant Others
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Carolina Business Capital Loan Today
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How Your
Business Benefits
If you are a small or medium-sized business owner in the North Carolina region and have faced the prospect of high down payments and restrictive loan criteria, take heart. Carolina Business Capital can offer you an attractive real estate and equipment loan program.
SBA Programs
504 vs. 7a
In a 504 loan, all project costs can be financed, including acquisition (land and building, land and construction of building, renovations, machinery and equipment) and soft costs such as title insurance, legal appraisal, environmental and bridge loan fees. Closing costs may be financed.
Eligibility
Information
The 504 Loan Program allows business owners to leverage their investments, with financing up to 90% of the project cost. An additional 5% of equity is required from the borrower if the building is considered special use or if the business is less than two years old. If both apply, the equity requirement is a total of 20%. The borrower must occupy 51% of the building (60% if constructing a new building).