$3.2M SBA 504 Financing Success in Houston
From local supplier to regional leader — Equity Ridge structured SBA 504 financing for facility expansion near the Ship Channel.
$3.2M
SBA 504 Loan
10%
Down Payment
45K sq ft
Facility Size
$12M
New Contracts
The Challenge
A Houston-based petrochemical services firm had outgrown their existing facility near the Ship Channel. They needed to expand into a larger industrial property to accommodate new EPA compliance equipment and increase storage capacity. Traditional commercial real estate loans required 25-30% down, which would have depleted their operating capital.
The Solution
Equity Ridge structured an SBA 504 loan that required only 10% down payment, preserving $800K in working capital. The $3.2M loan covered the purchase of a 45,000 sq ft industrial facility, compliance equipment installation, and facility upgrades. We worked with a Certified Development Company (CDC) that understood Houston's industrial real estate market and the petrochemical industry.
The Results
- Secured $3.2M SBA 504 financing with 10% down
- Purchased 45,000 sq ft industrial facility near Ship Channel
- Preserved $800K in working capital for operations
- Increased storage capacity by 250%
- Won $12M in new regional contracts within 12 months
“The SBA 504 program was exactly what we needed, but navigating it alone felt impossible. Equity Ridge knew which CDC to work with, how to structure the deal, and got us to closing in 45 days. We never would have figured that out on our own.”
Operations Director
Houston Business Owner
Equity Ridge Advisor
SBA Loan Specialist
Houston Market Specialist
Related Services
FAQ
Common Questions About Houston SBA 504 Loan
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