If you’re a business owner looking to expand sustainably, the SBA 504 Green Loan Program just became one of the most powerful tools in your financing toolkit.
With recent changes from the Small Business Administration, entrepreneurs can now access unlimited SBA 504 Green Loans—making it easier than ever to finance energy-efficient upgrades and renewable energy projects.
And with Beau Eckstein, one of the nation’s top SBA loan brokers, guiding your financing strategy, you can unlock the capital needed to scale smarter, reduce operating costs, and build a business positioned for long-term growth.
What Is the SBA 504 Green Loan Program?
The SBA 504 Loan Program was created to help small business owners purchase fixed assets like real estate, major equipment, or ground-up construction. The Green Loan extension of this program rewards businesses that invest in environmentally responsible projects by offering increased loan limits and exceptional financing terms.
As of April 30, 2024, the SBA has removed the $16.5 million aggregate lending cap on green energy projects funded through the 504 program. This means qualified businesses can now take out multiple SBA 504 Green Loans across different projects without any cumulative cap.
Key Benefits of the SBA 504 Green Loan Program
If you’re planning to go green, upgrade your commercial property, or reduce energy costs, here’s why this program is uniquely valuable:
Higher Loan Limits
Each green project can be financed up to $5.5 million—above the $5 million standard for traditional SBA 504 loans.
No Aggregate Cap
There’s no lifetime limit. Business owners can secure multiple SBA 504 Green Loans for multiple qualifying projects.
Up to 90% Financing
Business owners can finance up to 90% of total project costs, including:
- Land or commercial property acquisition
- New construction or major renovation
- Renewable energy system installation
- Energy efficiency upgrades
Renewable Equipment Included
Solar systems, geothermal, wind turbines, biomass, and other qualifying renewable technology can be rolled into the loan—eliminating the need for multiple lenders or financing sources.
Who Is Eligible for an SBA Green Energy Loan?
To qualify for the SBA 504 Green Loan, your project must meet at least one of the following criteria:
1. Reduce Energy Usage by at Least 10%
This can be accomplished through property upgrades like new HVAC systems, better insulation, or advanced lighting systems that lower overall energy consumption.
2. Generate at Least 15% of On-Site Energy from Renewable Sources
Solar, wind, geothermal, biomass, and hydroelectric solutions all qualify if they meet the threshold.
These eligibility standards allow commercial property owners, manufacturers, franchise operators, and growing businesses to reduce energy costs while gaining access to powerful financing options.
Why Work with SBA Loan Expert Beau Eckstein?
Beau Eckstein is a nationally recognized SBA loan broker with over two decades of experience helping small business owners secure SBA 504 and 7(a) loans for business acquisition, commercial real estate, expansion, and franchise funding.
Unlike banks or lenders with limited programs, Beau operates independently to find the right lender, structure, and strategy for each client’s goals. His deep understanding of SBA rules—combined with real-world experience in deal structuring—ensures clients are getting access to capital and maximizing long-term ROI.
Whether you’re financing solar panels for a manufacturing facility, constructing a net-zero office building, or retrofitting a commercial property with energy-efficient upgrades, Beau can help you get funded through the SBA 504 Green Loan Program.
Start Your SBA 504 Green Loan Strategy Today
There’s never been a better time to access low-cost, long-term capital to fuel your business growth while reducing your energy footprint. The combination of no aggregate cap, increased loan amounts, and Beau’s expert guidance puts you in a strong position to act now.
Book a clarity call today at BookWithBeau.com and explore if your project qualifies for green financing through the SBA.
You can also begin by completing our Business Readiness Assessment to determine your eligibility and next steps.
Combine SBA Financing with Smart Tax Strategies
Qualifying green energy projects may also be eligible for federal tax incentives, such as the Investment Tax Credit. When paired with SBA 504 financing, these incentives can significantly reduce your out-of-pocket costs and shorten the payback period on your upgrades.
Beau and his team can walk you through the smart tax strategies—including bonus depreciation, Section 179 deductions, and energy credits—to maximize your savings and increase returns.
Final Thoughts: Grow Smarter, Cleaner, and Faster
The updated SBA 504 Green Loan Program represents a unique opportunity for business owners who are ready to expand sustainably, lower utility costs, and gain access to favorable financing.
If you’re planning a commercial project and want to explore energy-efficient options, don’t miss out on this expanded loan opportunity.
Schedule your strategy session with Beau Eckstein at BookWithBeau.com and find out how to leverage green financing to grow your business.