Pro Tier Module
SBA 504 Loan Authority & Eligibility Review
Screen an SBA 504/CDC deal condition by condition - PASS, FAIL, or INFO - with the exact action and process step for every gap.
This tool runs inside GDBS Pro. What it computes and the authorities it applies are below.
The problem
The SBA 504/CDC program packs authority, occupancy rules, size standards, eligible-use limits, public-benefit tests, and a layered financing structure into scattered sources, so reviewers waste hours confirming whether a deal pencils out and what is missing.
The local-first solution
This plugin puts the 504 program in one place and runs a deterministic, in-browser reviewer that screens each entered deal fact against exact rules read from cited program sources, returning a per-condition PASS/FAIL/INFO verdict and the specific cure for any gap - no upload, no AI.
What it does
Eligibility screen: for-profit and U.S.-based, tangible net worth and 2-year average net income size tests
Owner-occupancy check (>= 51% existing building, >= 60% new construction)
Eligible use-of-proceeds check, flagging working capital and inventory as ineligible
Public-benefit test: job creation (~1 job per debenture threshold) or a community-development goal
Financing structure: lender / CDC-SBA / borrower-equity split with startup and special-purpose adjustments
Per-gap action plus where it sits in the 504 process, each cited to its source
Honest scope
Every check is an exact, deterministic rule read from cited public sources (SBA.gov, 13 CFR Part 120 Subpart H, SOP 50 10). This is an informational screening aid for a public program, not legal, tax, or financial advice and not an eligibility determination - only the SBA and a Certified Development Company determine eligibility. Thresholds and dollar caps change, so verify against the live SBA sources. No GeoNum drift is tracked, so no trust verdict is synthesized for this rules screen.
Get an email when these rules change
Tables, thresholds and deadlines in SBA & Lending change every year. Leave your email and we will tell you when the ones behind tools like this one move, at most once a month.
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Screen a 504 deal
Enter the deal facts and get a condition-by-condition screen in your browser, then save it to a Sandbox workspace, attach it to a Worklog loan-intake case, or route it into a Gate client portal. Nothing leaves your device.