{"id":2630,"date":"2026-03-21T20:57:06","date_gmt":"2026-03-21T20:57:06","guid":{"rendered":"https:\/\/toolstecique.com\/?p=2630"},"modified":"2026-03-21T20:57:06","modified_gmt":"2026-03-21T20:57:06","slug":"sba-504-loan-requirements-complete-2026-guide","status":"publish","type":"post","link":"https:\/\/toolstecique.com\/tr\/sba-504-loan-requirements-complete-2026-guide\/","title":{"rendered":"SBA 504 Kredisi \u015eartlar\u0131: 2026 \u0130\u00e7in Eksiksiz K\u0131lavuz"},"content":{"rendered":"<p>\u00d6zetle: 2026 y\u0131l\u0131nda SBA 504 kredisine hak kazanmak i\u00e7in i\u015fletmenizin \u015fu \u015fartlar\u0131 sa\u011flamas\u0131 gerekir: (1) ABD'de k\u00e2r amac\u0131 g\u00fcden bir \u015firket olarak faaliyet g\u00f6stermesi, (2) 20 milyon dolar\u0131n alt\u0131nda somut net de\u011fere sahip olmas\u0131, (3) son iki y\u0131lda vergi sonras\u0131 ortalama net gelirinin 6,5 milyon dolar\u0131n alt\u0131nda olmas\u0131, (4) finanse edilen m\u00fclk\u00fcn en az 'ini kullanmay\u0131 planlamas\u0131 ve (5) 75.000 dolarl\u0131k SBA fonu ba\u015f\u0131na en az bir i\u015f yaratmas\u0131 veya korumas\u0131. Kredi, 'si bankadan, '\u0131 Sertifikal\u0131 Geli\u015ftirme \u015eirketi'nden (CDC) ve 'u bor\u00e7ludan pe\u015finat olarak yap\u0131land\u0131r\u0131lm\u0131\u015ft\u0131r.<\/p>\n<p>\u0130\u015fletmenizin sermayesini t\u00fcketmeden ticari gayrimenkul veya b\u00fcy\u00fck ekipman sat\u0131n almak isteyen k\u00fc\u00e7\u00fck i\u015fletme sahibiyseniz, <strong>SBA 504 kredi program\u0131<\/strong> Bu, size sunulan en g\u00fc\u00e7l\u00fc finansman ara\u00e7lar\u0131ndan biri olabilir; pe\u015finatlar kadar d\u00fc\u015f\u00fck olabilir ve faiz oranlar\u0131 25 y\u0131la kadar sabitlenebilir.<\/p>\n<p>Ancak, ba\u015fvuru s\u00fcreci bir bankaya gitmek kadar basit de\u011fil. SBA 504 program\u0131n\u0131n, standart bir i\u015fletme kredisinden farkl\u0131 kendine \u00f6zg\u00fc uygunluk kurallar\u0131, kredi yap\u0131s\u0131 ve belge gereksinimleri vard\u0131r. Bu k\u0131lavuz, ba\u015fvurmadan \u00f6nce tam olarak nerede oldu\u011funuzu bilmeniz i\u00e7in t\u00fcm bunlar\u0131 a\u00e7\u0131k\u00e7a a\u00e7\u0131kl\u0131yor.<\/p>\n<p>T\u00fcm gereksinimleri, 50\/40\/10 kredi yap\u0131s\u0131n\u0131, 2026 g\u00fcncel faiz oranlar\u0131n\u0131 ve hangi belgelere ihtiyac\u0131n\u0131z olaca\u011f\u0131n\u0131 ele alaca\u011f\u0131z. Ayr\u0131ca \u00fccretsiz arac\u0131m\u0131z\u0131 da kullanabilirsiniz. <a href=\"https:\/\/toolstecique.com\/tr\/sba-504-loan-calculator\/\">ToolsTecique'de SBA 504 Kredi Hesaplay\u0131c\u0131s\u0131<\/a> Bir kredi kurulu\u015funa ba\u015fvurmadan \u00f6nce ayl\u0131k \u00f6demelerinizi modelleyebilmek i\u00e7in.<\/p>\n<h2>SBA 504 Kredisi Nedir?<\/h2>\n<p>Resmi ad\u0131 Sertifikal\u0131 Geli\u015ftirme \u015eirketi (CDC) program\u0131 olan SBA 504 kredisi, \u00f6zellikle k\u00fc\u00e7\u00fck i\u015fletmelerin sat\u0131n al\u0131mlar\u0131n\u0131 desteklemek amac\u0131yla tasarlanm\u0131\u015f, devlet destekli bir finansman program\u0131d\u0131r. <strong>uzun vadeli sabit varl\u0131klar<\/strong>: En az 10 y\u0131ll\u0131k kullan\u0131m \u00f6mr\u00fcne sahip, sahibi taraf\u0131ndan kullan\u0131lan ticari gayrimenkul, arsa, bina veya b\u00fcy\u00fck ekipman.<\/p>\n<p>Neredeyse her \u015fey i\u00e7in kullan\u0131labilen SBA 7(a) kredisinin aksine, 504 kredisi sermaye varl\u0131klar\u0131 i\u00e7in \u00f6zel olarak tasarlanm\u0131\u015ft\u0131r. Bu da onu finanse etti\u011fi alanlarda daha k\u0131s\u0131tlay\u0131c\u0131 hale getirir; ancak kar\u015f\u0131l\u0131\u011f\u0131nda \u00f6nemli \u00f6l\u00e7\u00fcde daha iyi ko\u015fullar sunar: daha d\u00fc\u015f\u00fck pe\u015finatlar, daha uzun geri \u00f6deme s\u00fcreleri ve y\u00fckselen piyasalardan sizi koruyan sabit faiz oranlar\u0131.<\/p>\n<h3>SBA 504 Kredisi Neler \u0130\u00e7in Kullan\u0131labilir?<\/h3>\n<ul>\n<li>Sahibi taraf\u0131ndan kullan\u0131lan ticari gayrimenkul (ofis binalar\u0131, depolar, perakende alanlar\u0131) sat\u0131n almak.<\/li>\n<li>Arsa sat\u0131n almak ve yeni bir ticari bina in\u015fa etmek<\/li>\n<li>Mevcut bir ticari m\u00fclk\u00fcn yenilenmesi veya geni\u015fletilmesi<\/li>\n<li>Uzun \u00f6m\u00fcrl\u00fc makine ve a\u011f\u0131r ekipman temini (imalat, matbaa, sanayi)<\/li>\n<li>Mevcut ticari gayrimenkul borcunun yeniden finansman\u0131 (belirli ko\u015fullar alt\u0131nda)<\/li>\n<\/ul>\n<table width=\"624\">\n<tbody>\n<tr>\n<td width=\"624\"><strong>Finanse Edemedi\u011fi \u015eeyler<\/strong><\/p>\n<p>\u2717 \u0130\u015fletme sermayesi veya stok<\/p>\n<p>\u2717 Mevcut i\u015fletme bor\u00e7lar\u0131n\u0131n \u00e7o\u011funu birle\u015ftirmek veya geri \u00f6demek<\/p>\n<p>\u2717 Yat\u0131r\u0131m ama\u00e7l\u0131 gayrimenkuller veya kar amac\u0131yla elde tutulan kiral\u0131k gayrimenkuller<\/p>\n<p>\u2717 Spek\u00fclatif faaliyetler veya pasif gelir sa\u011flayan i\u015fletmeler<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>50\/40\/10 Kredi Yap\u0131s\u0131 A\u00e7\u0131klamas\u0131<\/h2>\n<p>SBA 504 kredisi, tek bir kredi kurulu\u015fundan al\u0131nan tek bir kredi de\u011fildir; \u00e7o\u011fu k\u00fc\u00e7\u00fck i\u015fletme sahibi, yap\u0131s\u0131n\u0131 g\u00f6rd\u00fckten sonra \u015fa\u015f\u0131rt\u0131c\u0131 derecede basit bulmaktad\u0131r.<\/p>\n<table width=\"624\">\n<thead>\n<tr>\n<td width=\"187\"><strong>Parti<\/strong><\/td>\n<td width=\"133\"><strong>Katk\u0131<\/strong><\/td>\n<td width=\"120\"><strong>Rehin Pozisyonu<\/strong><\/td>\n<td width=\"184\"><strong>Ana Detay<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"187\">Geleneksel Banka \/ Kredi Kurulu\u015fu<\/td>\n<td width=\"133\">proje maliyetinin 'si<\/td>\n<td width=\"120\">Birinci ipotek<\/td>\n<td width=\"184\">Standart ticari \u015fartlar, minimum 10 y\u0131l vade.<\/td>\n<\/tr>\n<tr>\n<td width=\"187\">Sertifikal\u0131 Geli\u015ftirme \u015eirketi (CDC)<\/td>\n<td width=\"133\">proje maliyetinin '\u0131<\/td>\n<td width=\"120\">\u0130kinci ipotek<\/td>\n<td width=\"184\">Sabit faizli, SBA garantili tahvil<\/td>\n<\/tr>\n<tr>\n<td width=\"187\">Siz (bor\u00e7 alan ki\u015fi)<\/td>\n<td width=\"133\">pe\u015finat<\/td>\n<td width=\"120\">\u2014<\/td>\n<td width=\"184\">Yeni kurulan \u015firketler veya \u00f6zel ama\u00e7l\u0131 m\u00fclkler i\u00e7in -20<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Bu yap\u0131, SBA 504'\u00fc bu kadar cazip k\u0131lan \u015feydir: sadece pe\u015finat \u00f6demeniz gerekiyor. <strong>\u00c7o\u011fu durumda<\/strong>Geleneksel ticari gayrimenkul kredilerinde bu oran -30 civar\u0131ndad\u0131r. Bu da i\u015fletmenizin faaliyetleri i\u00e7in \u00f6nemli miktarda i\u015fletme sermayesini korur.<\/p>\n<p>Kullan\u0131n <a href=\"https:\/\/toolstecique.com\/tr\/sba-504-loan-calculator\/\">SBA 504 Kredi Hesaplay\u0131c\u0131s\u0131<\/a> Proje maliyetinizin \u00fc\u00e7 taraf aras\u0131nda nas\u0131l da\u011f\u0131ld\u0131\u011f\u0131n\u0131 ve taahh\u00fctte bulunmadan \u00f6nce ayl\u0131k \u00f6demelerinizin nas\u0131l g\u00f6r\u00fcnece\u011fini tam olarak g\u00f6rmek i\u00e7in.<\/p>\n<h2>SBA 504 Kredisi Uygunluk \u015eartlar\u0131 (2026)<\/h2>\n<p>Bunlar, ABD K\u00fc\u00e7\u00fck \u0130\u015fletmeler \u0130daresi taraf\u0131ndan belirlenen resmi uygunluk kriterleridir. \u0130\u015fletmenizin a\u015fa\u011f\u0131dakilerin t\u00fcm\u00fcn\u00fc kar\u015f\u0131lamas\u0131 gerekir:<\/p>\n<h3>\u0130\u015fletme Uygunlu\u011fu<\/h3>\n<ul>\n<li><strong>Sadece kar amac\u0131 g\u00fcdenler i\u00e7in: <\/strong>\u0130\u015fletmenizin kar amac\u0131 g\u00fctmesi gerekmektedir. Kar amac\u0131 g\u00fctmeyen kurulu\u015flar, yard\u0131m dernekleri ve devlet kurumlar\u0131 ba\u015fvuruda bulunamaz.<\/li>\n<li><strong>ABD merkezli operasyonlar: <\/strong>\u0130\u015fletmenin fiziksel olarak Amerika Birle\u015fik Devletleri'nde veya topraklar\u0131nda bulunmas\u0131 ve faaliyet g\u00f6stermesi gerekmektedir.<\/li>\n<li><strong>Net serveti 20 milyon dolar\u0131n alt\u0131nda olan ki\u015filer: <\/strong>Ba\u015fvuru s\u0131ras\u0131nda i\u015fletmenizin maddi net de\u011feri 20 milyon dolardan az olmal\u0131d\u0131r.<\/li>\n<li><strong>Net gelir 6,5 milyon dolar\u0131n alt\u0131nda: <\/strong>\u00d6nceki iki mali y\u0131l i\u00e7in federal vergiler d\u00fc\u015f\u00fcld\u00fckten sonraki ortalama net gelir 6,5 milyon dolar\u0131n alt\u0131nda olmal\u0131d\u0131r.<\/li>\n<li><strong>SBA boyut standartlar\u0131: <\/strong>\u0130\u015fletmenin, sekt\u00f6re g\u00f6re de\u011fi\u015fen (gelir veya \u00e7al\u0131\u015fan say\u0131s\u0131na ba\u011fl\u0131 olarak) SBA b\u00fcy\u00fckl\u00fck standartlar\u0131na g\u00f6re k\u00fc\u00e7\u00fck i\u015fletme olarak nitelendirilmesi gerekir.<\/li>\n<li><strong>Daha \u00f6nce federal kredilerde temerr\u00fcde d\u00fc\u015fmemi\u015f olmak: <\/strong>\u0130\u015fletmenizin ve y\u00f6neticilerinin daha \u00f6nce federal bir kredide temerr\u00fcde d\u00fc\u015fmemi\u015f veya devlete zarar vermemi\u015f olmas\u0131 gerekmektedir.<\/li>\n<\/ul>\n<h3>Sahip ve Ki\u015fisel Uygunluk<\/h3>\n<ul>\n<li><strong>Vatanda\u015fl\u0131k: <\/strong>Mart 2026'da y\u00fcr\u00fcrl\u00fc\u011fe girecek olan g\u00fcncellenmi\u015f SBA (K\u00fc\u00e7\u00fck \u0130\u015fletmeler \u0130daresi) k\u0131lavuzuna g\u00f6re, i\u015fletme \u015firketinde veya daha fazla hisseye sahip olan sahiplerin ABD vatanda\u015f\u0131 veya daimi ikamet sahibi (ye\u015fil kart sahibi) olmas\u0131 gerekmektedir.<\/li>\n<li><strong>Ki\u015fisel kefalet: <\/strong>\u0130\u015fletme veya gayrimenkul varl\u0131\u011f\u0131n\u0131n veya daha fazlas\u0131na sahip olan herkes, krediye ili\u015fkin tam ve s\u0131n\u0131rs\u0131z bir ki\u015fisel kefalet sa\u011flamak zorundad\u0131r.<\/li>\n<li><strong>Karakter de\u011ferlendirmesi: <\/strong>T\u00fcm adaylar\u0131n ki\u015fisel ge\u00e7mi\u015flerine dair beyan sunmalar\u0131 gerekmektedir. Su\u00e7 faaliyetlerine kar\u0131\u015fmak ba\u015fvurunun reddedilmesine neden olabilir.<\/li>\n<\/ul>\n<h3>M\u00fclk ve Proje Gereksinimleri<\/h3>\n<ul>\n<li><strong>M\u00fclk sahibi taraf\u0131ndan oturulan bina \u2014 mevcut bina: <\/strong>En az \u015fu kadar s\u00fcre boyunca daimi olarak ikamet etmelisiniz: <strong>binan\u0131n 'i<\/strong> sat\u0131n al\u0131n\u0131yor.<\/li>\n<li><strong>Konut sahibi taraf\u0131ndan oturulacak - yeni in\u015faat: <\/strong>En az \u015fu kadar\u0131n\u0131 derhal i\u015fgal etmelisiniz: <strong>yeni in\u015faatlar\u0131n '\u0131<\/strong> ve 'ini 10 y\u0131l i\u00e7inde kullanmay\u0131 planl\u0131yoruz.<\/li>\n<li><strong>Sadece i\u015f ama\u00e7l\u0131 kullan\u0131m i\u00e7indir: <\/strong>M\u00fclk, gayrimenkul yat\u0131r\u0131m\u0131 olarak de\u011fil, me\u015fru ticari faaliyetler i\u00e7in kullan\u0131lmal\u0131d\u0131r.<\/li>\n<li><strong>ABD'de bulunmaktad\u0131r: <\/strong>Proje kapsam\u0131ndaki gayrimenkul Amerika Birle\u015fik Devletleri'nde bulunmal\u0131d\u0131r.<\/li>\n<\/ul>\n<h3>\u0130\u015f Yaratma Gereksinimi<\/h3>\n<p>Bu, bir\u00e7ok ba\u015fvuru sahibinin zorland\u0131\u011f\u0131 \u015fartlardan biridir. <a href=\"https:\/\/www.congress.gov\/crs-product\/R41184\">SBA'n\u0131n gereksinimleri<\/a> projenizin <strong>CDC\/SBA fonlar\u0131n\u0131n her 75.000 dolar\u0131 i\u00e7in en az bir tam zamanl\u0131 e\u015fde\u011fer i\u015f yarat\u0131n veya koruyun.<\/strong> Al\u0131nan bilgilere g\u00f6re, imalat \u015firketleri i\u00e7in e\u015fik, her 120.000 dolara bir i\u015f imkan\u0131 sa\u011flanmas\u0131d\u0131r.<\/p>\n<p>Projeniz i\u015f yaratma \u015fart\u0131n\u0131 kar\u015f\u0131layam\u0131yorsa bile, k\u0131rsal alanda faaliyet g\u00f6stermek, d\u00fc\u015f\u00fck gelirli topluluklara hizmet etmek veya enerji verimlili\u011fini art\u0131rmak gibi belirli toplumsal kalk\u0131nma veya kamu politikas\u0131 hedeflerini kar\u015f\u0131layarak yine de uygunluk sa\u011flayabilirsiniz.<\/p>\n<p><em>Ayr\u0131ca okuyun:<strong> <a href=\"https:\/\/toolstecique.com\/tr\/sba-504-loan-vs-7a-which-small-business-loan-is-right-for-you\/\">SBA 504 Kredisi ile 7(a) Kredisi Kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/a><\/strong><\/em><\/p>\n<h2>SBA 504 Kredi Limitleri ve Faiz Oranlar\u0131 (Mart 2026)<\/h2>\n<p>&nbsp;<\/p>\n<table width=\"624\">\n<thead>\n<tr>\n<td width=\"267\"><strong>Detay<\/strong><\/td>\n<td width=\"179\"><strong>Standart<\/strong><\/td>\n<td width=\"179\"><strong>\u00dcretim \/ Ye\u015fil Projeler<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"267\">Maksimum SBA\/CDC kredi tutar\u0131<\/td>\n<td width=\"179\">$5,000,000<\/td>\n<td width=\"179\">$5,500,000<\/td>\n<\/tr>\n<tr>\n<td width=\"267\">Minimum kredi tutar\u0131<\/td>\n<td width=\"179\">$50,000<\/td>\n<td width=\"179\">$50,000<\/td>\n<\/tr>\n<tr>\n<td width=\"267\">Bor\u00e7lunun pe\u015finat\u0131<\/td>\n<td width=\"179\">10%<\/td>\n<td width=\"179\">10%<\/td>\n<\/tr>\n<tr>\n<td width=\"267\">Pe\u015finat (2 y\u0131ldan k\u0131sa s\u00fcreli giri\u015fimler i\u00e7in)<\/td>\n<td width=\"179\">15%<\/td>\n<td width=\"179\">15%<\/td>\n<\/tr>\n<tr>\n<td width=\"267\">Pe\u015finat (\u00f6zel kullan\u0131m ama\u00e7l\u0131 m\u00fclk)<\/td>\n<td width=\"179\">-20<\/td>\n<td width=\"179\">-20<\/td>\n<\/tr>\n<tr>\n<td width=\"267\">Geri \u00f6deme s\u00fcresi \u2014 gayrimenkul<\/td>\n<td width=\"179\">20 veya 25 y\u0131l<\/td>\n<td width=\"179\">20 veya 25 y\u0131l<\/td>\n<\/tr>\n<tr>\n<td width=\"267\">Geri \u00f6deme s\u00fcresi \u2014 ekipman<\/td>\n<td width=\"179\">10 y\u0131l<\/td>\n<td width=\"179\">10 y\u0131l<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Mart 2026 itibar\u0131yla ge\u00e7erli SBA 504 efektif faiz oranlar\u0131 (sabit, hizmet bedelleri dahil):<\/p>\n<ul>\n<li>25 y\u0131ll\u0131k vade (standart): %5,72<\/li>\n<li>20 y\u0131ll\u0131k vade (standart): %5,78<\/li>\n<li>10 y\u0131ll\u0131k vade (standart): %5,61<\/li>\n<\/ul>\n<p>Bu oranlar, ABD Hazine faiz oranlar\u0131na g\u00f6re ayl\u0131k olarak belirlenir ve her ay de\u011fi\u015fir. Bug\u00fcnk\u00fc oranlarla tam \u00f6demelerinizi hesaplamak i\u00e7in \u00fccretsiz arac\u0131 kullan\u0131n. <a href=\"https:\/\/toolstecique.com\/tr\/sba-504-loan-calculator\/\">SBA 504 Kredi Hesaplay\u0131c\u0131s\u0131<\/a>.<\/p>\n<h2>Ba\u015fvuru \u0130\u00e7in Gerekli Belgeler<\/h2>\n<p>Evraklar\u0131n\u0131z\u0131 erken toplamak, SBA 504 onay s\u00fcrecini h\u0131zland\u0131rman\u0131n en iyi yoludur. \u0130\u015fte \u00e7o\u011fu CDC ve kredi veren kurulu\u015fun isteyece\u011fi belgeler:<\/p>\n<h3>\u0130\u015f Belgeleri<\/h3>\n<ul>\n<li>Son 3 y\u0131la ait i\u015fletme vergi beyannameleri<\/li>\n<li>Son 3 y\u0131la ait i\u015fletme finansal tablolar\u0131 (kar-zarar tablosu, bilan\u00e7o)<\/li>\n<li>Cari y\u0131l\u0131n ba\u015f\u0131ndan bug\u00fcne kadarki mali tablolar\u0131<\/li>\n<li>\u0130\u015fletme bor\u00e7 tablosu (t\u00fcm mevcut krediler ve y\u00fck\u00fcml\u00fcl\u00fckler)<\/li>\n<li>\u0130\u015f plan\u0131 (yeni kurulan veya 2 y\u0131ldan daha k\u0131sa s\u00fcredir faaliyet g\u00f6steren i\u015fletmeler i\u00e7in zorunludur)<\/li>\n<li>\u0130\u015fletme lisanslar\u0131, kay\u0131tlar\u0131 ve kurulu\u015f belgeleri (LLC, kurulu\u015f s\u00f6zle\u015fmesi vb.)<\/li>\n<\/ul>\n<h3>Ki\u015fisel Belgeler (Hisse oran\u0131 ve \u00fczeri olan t\u00fcm sahipler)<\/h3>\n<ul>\n<li>Son 3 y\u0131la ait ki\u015fisel vergi beyannameleri<\/li>\n<li>Ki\u015fisel mali beyanname (SBA Form 413)<\/li>\n<li>\u00d6zge\u00e7mi\u015f \/ ki\u015fisel ge\u00e7mi\u015f beyan\u0131<\/li>\n<li>Foto\u011frafl\u0131 devlet kimli\u011fi ve vatanda\u015fl\u0131k\/ikametgah belgesi<\/li>\n<\/ul>\n<h3>Proje \/ M\u00fclk Belgeleri<\/h3>\n<ul>\n<li>Gayrimenkul veya ekipman i\u00e7in sat\u0131n alma s\u00f6zle\u015fmesi veya niyet mektubu<\/li>\n<li>Gayrimenkul de\u011ferleme (mevcut durum de\u011feri ve in\u015faat projeleri i\u00e7in \u00f6ng\u00f6r\u00fclen de\u011fer)<\/li>\n<li>\u00c7evresel de\u011ferlendirme raporu (Faz I, bazen Faz II)<\/li>\n<li>\u0130n\u015faat planlar\u0131, mimari \u00e7izimler ve maliyet tahminleri (yeni yap\u0131lar veya b\u00fcy\u00fck tadilatlar i\u00e7in)<\/li>\n<li>M\u00fclk\u00fcn mevcut kirac\u0131lar\u0131 varsa kira s\u00f6zle\u015fmeleri<\/li>\n<\/ul>\n<h2>SBA 504 Kredisine Nas\u0131l Ba\u015fvurulur: Ad\u0131m Ad\u0131m<\/h2>\n<ol>\n<li><strong>Sertifikal\u0131 bir Geli\u015ftirme \u015eirketi (CDC) bulun: <\/strong>CDC'ler, SBA 504 program\u0131n\u0131 y\u00f6neten kar amac\u0131 g\u00fctmeyen kredi kurulu\u015flar\u0131d\u0131r. Kullan\u0131n <a href=\"https:\/\/www.sba.gov\/funding-programs\/loans\/504-loans\/list-certified-development-companies\">SBA'n\u0131n CDC bulucusu<\/a>\u00a0B\u00f6lgenizde birini bulmak i\u00e7in. Onlarla \u00e7al\u0131\u015fmak \u00fccretsizdir ve t\u00fcm s\u00fcre\u00e7 boyunca size rehberlik edeceklerdir.<\/li>\n<li><strong>Geleneksel bir kredi kurulu\u015funu se\u00e7in: <\/strong>Ayr\u0131ca 'lik k\u0131s\u0131m i\u00e7in bir bankaya veya kredi birli\u011fine ihtiyac\u0131n\u0131z olacak. CDC'niz genellikle daha \u00f6nce \u00e7al\u0131\u015ft\u0131klar\u0131 kredi veren kurulu\u015flara sizi y\u00f6nlendirebilir.<\/li>\n<li><strong>Proje maliyetlerinizi hesaplay\u0131n: <\/strong>SBA 504 Kredi Hesaplay\u0131c\u0131s\u0131n\u0131 kullanarak 50\/40\/10 da\u011f\u0131l\u0131m\u0131n\u0131n tamam\u0131n\u0131 modelleyebilir, ayl\u0131k \u00f6demeleri tahmin edebilir ve kredi vadesinin nakit ak\u0131\u015f\u0131n\u0131z\u0131 nas\u0131l etkiledi\u011fini g\u00f6rebilirsiniz.<\/li>\n<li><strong>Belgelerinizi toplay\u0131n: <\/strong>Yukar\u0131daki kontrol listesini kullan\u0131n. Paketiniz ne kadar eksiksiz olursa, onay s\u00fcreci o kadar h\u0131zl\u0131 olur.<\/li>\n<li><strong>Ba\u015fvurunuzu g\u00f6nderin: <\/strong>CDC'niz, SBA'n\u0131n 'l\u0131k pay\u0131n\u0131 SBA'n\u0131n Sacramento Kredi \u0130\u015fleme Merkezine g\u00f6nderir. Banka, 'lik pay\u0131n\u0131 ba\u011f\u0131ms\u0131z olarak halleder. Onay s\u00fcreci genellikle 30-60 g\u00fcn s\u00fcrer.<\/li>\n<li><strong>Krediyi kapat\u0131n: <\/strong>Onayland\u0131ktan sonra hem banka kredisi hem de CDC kredisi ayn\u0131 anda kapan\u0131r. Fonlar da\u011f\u0131t\u0131l\u0131r ve projeniz ba\u015flar.<\/li>\n<\/ol>\n<h2>SBA 504 m\u00fc yoksa SBA 7(a) m\u0131 sizin i\u00e7in daha uygun?<\/h2>\n<table width=\"624\">\n<thead>\n<tr>\n<td width=\"200\"><\/td>\n<td width=\"212\"><strong>SBA 504<\/strong><\/td>\n<td width=\"212\"><strong>SBA 7(a)<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"200\">En iyisi<\/td>\n<td width=\"212\">Gayrimenkul ve sabit ekipman<\/td>\n<td width=\"212\">\u0130\u015fletme sermayesi, stok, bor\u00e7 yeniden finansman\u0131<\/td>\n<\/tr>\n<tr>\n<td width=\"200\">Maksimum kredi tutar\u0131<\/td>\n<td width=\"212\">5 milyon dolar (SBA pay\u0131)<\/td>\n<td width=\"212\">Toplam 5 milyon dolar<\/td>\n<\/tr>\n<tr>\n<td width=\"200\">Pe\u015finat<\/td>\n<td width=\"212\">10%<\/td>\n<td width=\"212\">-30<\/td>\n<\/tr>\n<tr>\n<td width=\"200\">Faiz oran\u0131<\/td>\n<td width=\"212\">Sabit (SBA taraf\u0131ndan ayl\u0131k olarak belirlenir)<\/td>\n<td width=\"212\">De\u011fi\u015fken (ana faiz + spread)<\/td>\n<\/tr>\n<tr>\n<td width=\"200\">Geri \u00f6deme s\u00fcresi<\/td>\n<td width=\"212\">10-25 y\u0131l<\/td>\n<td width=\"212\">25 y\u0131la kadar (gayrimenkul)<\/td>\n<\/tr>\n<tr>\n<td width=\"200\">Fonlar\u0131n kullan\u0131m\u0131<\/td>\n<td width=\"212\">Sadece sabit varl\u0131klar<\/td>\n<td width=\"212\">\u0130\u015fle ilgili hemen hemen her \u015fey<\/td>\n<\/tr>\n<tr>\n<td width=\"200\">Kim y\u00f6netiyor?<\/td>\n<td width=\"212\">CDC + banka ortakl\u0131\u011f\u0131<\/td>\n<td width=\"212\">SBA onayl\u0131 kredi verenler<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Amac\u0131n\u0131z ticari gayrimenkul veya b\u00fcy\u00fck ekipman sat\u0131n almak ve bunu m\u00fcmk\u00fcn olan en d\u00fc\u015f\u00fck pe\u015finatla, sabit uzun vadeli faiz oran\u0131yla yapmak ise, SBA 504 neredeyse her zaman daha iyi bir se\u00e7enektir. Daha esnek finansman ihtiya\u00e7lar\u0131 i\u00e7in ise SBA 7(a) daha \u00e7ok y\u00f6nl\u00fc bir se\u00e7enektir. Ayr\u0131ca \u015funlar\u0131 da kullanabilirsiniz: <a href=\"https:\/\/toolstecique.com\/tr\/loan-amortization-calculator\/\">Kredi Amortisman Hesaplay\u0131c\u0131s\u0131<\/a> \u0130ki program\u0131n geri \u00f6deme planlar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rmak.<\/p>\n<h2>S\u0131k\u00e7a Sorulan Sorular<\/h2>\n<p><strong>SBA 504 kredisi i\u00e7in hangi kredi puan\u0131 gerekiyor?<\/strong><\/p>\n<p>SBA, 504 program\u0131 i\u00e7in minimum kredi puan\u0131 yay\u0131nlamamaktad\u0131r. Bununla birlikte, \u00e7o\u011fu CDC ve kat\u0131l\u0131mc\u0131 banka, belirli bir kredi puan\u0131 aramaktad\u0131r. <strong>en az 680 ki\u015fisel kredi puan\u0131<\/strong>Bir\u00e7ok ki\u015fi 700 ve \u00fczeri puan\u0131 tercih eder. \u0130\u015fletmenizin kredi profili, nakit ak\u0131\u015f\u0131 ve teminat\u0131 da onay s\u00fcrecini b\u00fcy\u00fck \u00f6l\u00e7\u00fcde etkiler. Genellikle 1,25 veya daha y\u00fcksek olan g\u00fc\u00e7l\u00fc bir DSCR (bor\u00e7 \u00f6deme kar\u015f\u0131lama oran\u0131) da ayn\u0131 derecede \u00f6nemlidir.<\/p>\n<p><strong>Yeni kurulan bir i\u015fletme SBA 504 kredisine ba\u015fvurabilir mi?<\/strong><\/p>\n<p>Evet, yeni kurulan i\u015fletmeler (2 y\u0131ldan daha k\u0131sa s\u00fcredir faaliyet g\u00f6steren i\u015fletmeler) programdan d\u0131\u015flanm\u0131yor. Ancak, daha kat\u0131 \u015fartlarla kar\u015f\u0131 kar\u015f\u0131ya kal\u0131yorlar: a <strong>-20 daha y\u00fcksek pe\u015finat<\/strong>Ayr\u0131nt\u0131l\u0131 bir i\u015f plan\u0131 ve bazen ek teminat da gerekebilir. \u0130\u015fletmenin ge\u00e7mi\u015fi s\u0131n\u0131rl\u0131 oldu\u011funda, kredi verenler daha \u00e7ok i\u015fletme sahibinin ki\u015fisel mali g\u00fcc\u00fcne ve sekt\u00f6r deneyimine g\u00fcvenirler.<\/p>\n<p><strong>SBA 504 kredisi onay s\u00fcreci ne kadar s\u00fcrer?<\/strong><\/p>\n<p>Tipik onay s\u00fcre\u00e7leri, ba\u015fvurunun tamamlanmas\u0131ndan onaya kadar 30 ila 60 g\u00fcn s\u00fcrer ve kapan\u0131\u015f k\u0131sa bir s\u00fcre sonra ger\u00e7ekle\u015fir. \u0130n\u015faat projeleri veya karma\u015f\u0131k i\u015flemler daha uzun s\u00fcrebilir. Deneyimli bir CDC ile \u00e7al\u0131\u015fmak ve belgelerinizi \u00f6nceden haz\u0131rlamak, gecikmeleri \u00f6nlemenin en iyi yoludur.<\/p>\n<p><strong>SBA 504 kredisi devredilebilir mi?<\/strong><\/p>\n<p>Evet, SBA 504'\u00fcn daha az bilinen avantajlar\u0131ndan biri de, i\u015fletmenizi veya m\u00fclk\u00fcn\u00fcz\u00fc satt\u0131\u011f\u0131n\u0131zda kredinin al\u0131c\u0131 taraf\u0131ndan devral\u0131nabilmesidir. Bu, al\u0131c\u0131lar uygun sabit faizli finansman\u0131 devrald\u0131klar\u0131 i\u00e7in m\u00fclk\u00fcn\u00fcz\u00fc al\u0131c\u0131lar i\u00e7in daha cazip hale getirebilir ve potansiyel olarak daha y\u00fcksek bir sat\u0131\u015f fiyat\u0131 elde etmenizi sa\u011flayabilir.<\/p>\n<h2>Uygun olup olmad\u0131\u011f\u0131n\u0131z\u0131 g\u00f6rmeye haz\u0131r m\u0131s\u0131n\u0131z?<\/h2>\n<p>SBA 504 kredisi, \u015fartlar\u0131 kar\u015f\u0131l\u0131yorsan\u0131z, k\u00fc\u00e7\u00fck i\u015fletme sahipleri i\u00e7in ger\u00e7ekten de en iyi finansman f\u0131rsatlar\u0131ndan biridir. D\u00fc\u015f\u00fck pe\u015finatlar, sabit uzun vadeli faiz oranlar\u0131 ve y\u00fcksek kredi miktarlar\u0131, ticari alan sahibi olmak veya \u00fcretim kapasitesini art\u0131rmak isteyen her i\u015fletme i\u00e7in idealdir.<\/p>\n<p>Bir kredi kurulu\u015funu aramadan \u00f6nce, \u00fccretsiz SBA 504 Kredi Hesaplay\u0131c\u0131s\u0131n\u0131 kullanarak be\u015f dakikan\u0131z\u0131 ay\u0131r\u0131n. <a href=\"https:\/\/toolstecique.com\/tr\/\">ToolsTecique<\/a>Proje maliyetinizi girin ve 50\/40\/10 oran\u0131n\u0131n tam olarak nas\u0131l i\u015fledi\u011fini, ayl\u0131k \u00f6demenizin ne olaca\u011f\u0131n\u0131 ve farkl\u0131 ko\u015fullar\u0131n nas\u0131l kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcn. \u0130lk CDC g\u00f6r\u00fc\u015fmenize elinizde rakamlarla girmek g\u00fc\u00e7l\u00fc bir izlenim b\u0131rak\u0131r.<\/p>\n<p><script type=\"application\/ld+json\">{\n    \"@context\": \"https:\\\/\\\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n        {\n            \"@type\": \"Question\",\n            \"name\": \"What credit score is needed for an SBA 504 loan?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"The SBA does not publish a minimum credit score for the 504 program. However, most CDCs and participating banks look for a personal credit score of at least 680, and many prefer 700+. Your business\\u2019s credit profile, cash flow, and collateral also heavily influence approval. A strong DSCR (debt service coverage ratio), typically 1.25 or higher, is equally important.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Can a startup apply for an SBA 504 loan?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"Yes, startups (businesses under 2 years old) are not excluded from the program. However, they face stricter requirements, including a higher down payment of 15\\u201320%, a detailed business plan, and sometimes additional collateral. Lenders rely more heavily on the owner's personal financial strength and industry experience when the business has limited history.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"How long does SBA 504 loan approval take?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"Typical approval timelines run 30 to 60 days from completed application to approval, with closing following shortly after. Construction projects or complex transactions can take longer. Working with an experienced CDC and having your documentation ready upfront is the best way to avoid delays.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Is the SBA 504 loan assumable?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"Yes, one of the lesser-known advantages of the SBA 504 loan is that it can be assumed by a buyer if you sell your business or property. This can make your property more attractive to buyers since they inherit favorable fixed-rate financing, potentially allowing you to command a higher sale price.\"\n            }\n        }\n    ]\n}<\/script><\/p>","protected":false},"excerpt":{"rendered":"<p>TL;DR\u00a0To qualify for an SBA 504 loan in 2026, your business must: (1) operate as a for-profit company in the [&hellip;]<\/p>","protected":false},"author":1,"featured_media":2632,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[516],"tags":[],"class_list":["post-2630","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.9 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>SBA 504 Loan Requirements: Complete 2026 Guide - Tools Tecique<\/title>\n<meta name=\"description\" content=\"Learn the exact SBA 504 loan requirements 2026, eligibility, loan structure, credit score, &amp; how to apply. 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