Pacific West CDC Approved to Participate in 504 Loan Program

The Santa Ana District Office of the U.S. Small Business Administration is pleased to announce Pacific West Certified Development Company (CDC) has been approved as a participating lender, offering SBA guaranteed 504 loans throughout the State of California.  Pacific West CDC is located at 25301 Cabot Road, Suite 214, Laguna Hills, CA 92653. 

The 504 Loan Program provides approved small businesses with long-term, fixed-rate financing used to acquire fixed assets such as buildings, equipment, or machinery for expansion or modernization.  The 504 Loan program is a powerful economic development tool that offers small businesses a competitive avenue for financing business oriented real estate, while promoting business growth and job creation in local communities.

SBA 504 loans are typically structured with the CDC providing 40% of the total project costs, a participating third party lender covering up to 50% of the total project costs, and the borrower contributing 10% of the project costs.  Under certain circumstances, a borrower may be required to contribute up to 20% of the total project costs.    

As with the SBA’s more widely known loan guaranty program, 504 loans are designed to help the small business owner be successful.  Interest rates on 504 loans are pegged to an increment above the current market rate for five-year and ten-year U.S. Treasury issues.  Maturities of 10 and 20 years are available.  Fees total approximately 3 percent of the debenture and may be financed with the loan.   

For a complete list of participating lenders, please visit

For more information on Pacific West CDC, please contact Jeremy Osaki, Vice President/Relationship Manager at (949) 305-6490 or visit their website at

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