Advantages of SBA 504 Loans Low down payment (typically 10%) helps you conserve working capital. Fixed interest rate eliminates interest rate risk and lets you plan for future cash flow demands. Long-term financing (10- or 20-year terms) results in lower monthly payments. Below-market interest rate gives you the freedom to put your money to its best use. Learn more and apply at Self-Help’s SBA 504 program site: http://www.selfhelp504.org Watch this story about a Self-Help SBA 504 borrower.