- SBA 504 — fixed-asset loan (real estate/equipment); bank + CDC + 10% borrower; fixed rate; owner-occupied.
- SBA 7(a) — flexible SBA loan (working capital, equipment, real estate); variable rate.
- CDC (Certified Development Company) — nonprofit that administers the SBA 504 debenture portion.
- HUD 221(d)(4) — long-term, high-leverage, non-recourse HUD loan for multifamily construction/rehab.
- Owner-occupancy rule — SBA requires ≥51% (existing) / ≥60% (new construction) owner occupancy.
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