Current SBA 504 rates

10 Year: 2.60%

20 Year: 2.70%

25 Year: 2.81%

Current Note rates

10 Year: 0.85%

20 Year: 1.24%

25 Year: 1.42%

Des Moines Iowa skyline in USA

Hassle-free business loans

Does your business need help expanding or escaping debt? Trust the experienced financial team that’s been in the business since 1985 to help determine the right loan and resources for your business. Let us put you at ease when you contact us. 

Our Core Values

simplicity

SIMPLICITY

expertise

EXPERTISE

integrity

INTEGRITY

efficiency

EFFICIENCY

relationships

RELATIONSHIPS

SBA 504 Loan processing

Whether you have an existing or a new business, Pivotal Business Partners will help you find the right loan for your business.

Borrower resources

Are you applying for a loan? Save time and effort by viewing and completing the downloadable borrower forms you need.

Lender documents

Would you like to become a financial partner? Download and complete the necessary lender paperwork here.

Contact our firm

Take advantage of personalized services during the entire life of your loan. Contact our office today.

HASSLE-FREE

Beneficial SBA 504 Loans

Cover your business’s existing debt with a Small Business Administration 504 Loan from Pivotal Business Partners. Work with the professional team that has the capability to refinance your real estate and eligible business expenses. Enjoy a down payment that’s lower than typical financing options. Contact us today for more details and to acquire the capital your business needs!

THIS DOES NOT SHOW UP
  • Rent
  • Wages
  • Utilities
  • Inventory
  • Buy fixed assets
  • Build or construct buildings
  • Fixtures and equipment
What you can do with your SBA 504 Loan:
  • Buy equipment
  • Financing costs
  • Professional fees
  • Purchase real estate
  • Build commercial space
  • Renovate commercial real estate
How the SBA 504 process works:
  • The bank lends 50 percent
  • We lend 30-40 percent
  • The borrower injects 10 percent
  • The borrower or the bank contacts us directly
Eligible small businesses:
  • Hotels
  • Law firms
  • Restaurants
  • Manufacturers
  • Family entertainment venues
  • Any type of small business

The Process. We make it easy!

STEP ONE

Get Pre-Qualified

In less than 10 minutes we can tell you if you pre-qualify for an SBA 504 Loan. We’ll ask a few simple questions, determine what loan(s) work best for you, then guide you through the rest of the process.

STEP ONE
STEP TWO

STEP TWO

Submit Financial Documents

We take the guesswork out of the loan approval process. We have all of the forms you need and provide one-on-one assistance to ensure complete and compliant submissions. Trust your loan to the team of experts at Pivotal Business Partners!

STEP THREE

Loan Approval

We arrange financing quickly and the necessary paperwork is similar to that which a traditional lender requires. Then we process, close and service the loan so you can spend your time focusing on your business.

STEP THREE
STEP FOUR

STEP FOUR

Grow & Scale Your Business

Use your loan to cover costs of buying equipment, financing costs, professional fees, purchase real estate, build commercial space, and renovate commercial real estate.

How can we help?

Hassle-free business loans.
Get in touch with us today.

PROVIDING SEEMLESS EXPERIENCES

FOR BUSINESS OWNERS ACCROSS IOWA

SBA 504 LOANS

Improve your business and give yourself the opportunity to build, buy, and renovate your commercial space. If necessary, your 504 loan can even cover your equipment costs and existing debt.

FORMS FOR BORROWERS

Whether your applying for an 504 loan or something else, you can utilize our forms to save your time and money. Get in touch with us today regarding your business financial needs.

FORMS FOR LENDERS

As a lender, you will have the first mortgage on the property and we will have the second. In addition, your mortgage position will be at 50% loan-to-value.

PROVIDING SEEMLESS EXPERIENCES