{"ok":true,"canonical_url":"https://dealroom.so/glossary/sba-504-refinance","api_url":"https://dealroom.so/api/public/glossary/sba-504-refinance","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"sba-504-refinance","term":"SBA 504 Refinance","group":"The loan itself","definition":"A different type of SBA loan, the 504, primarily used for real estate and equipment, can be refinanced. This is distinct from a 7(a) loan, which is more flexible for business acquisitions.","what_it_means":"While a 7(a) loan can be used to refinance existing business debt, the SBA 504 Refinance is a specific program for refinancing 504 loans or other commercial real estate debt. It's not the primary tool for buying an existing business, so don't confuse its purpose with a 7(a) acquisition loan.","url":"https://dealroom.so/glossary/sba-504-refinance","official_sources":[{"slug":"sop-50-10","title":"SOP 50 10 — Lender and Development Company Loan Programs","official_url":"https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs","official_label":"View on SBA.gov","authority_tier":2,"publisher":"U.S. Small Business Administration","source_guide_url":"https://dealroom.so/sba-7a/sources/sop-50-10"},{"slug":"13-cfr-part-120","title":"13 CFR Part 120 — Business Loans","official_url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120","official_label":"View on eCFR","authority_tier":1,"publisher":"Office of the Federal Register","source_guide_url":"https://dealroom.so/sba-7a/sources/13-cfr-part-120"}],"related":[{"slug":"refinance-existing-debt","term":"Refinance Existing Debt","url":"https://dealroom.so/glossary/refinance-existing-debt"},{"slug":"7a-loan","term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"slug":"business-debt-refinancing","term":"Business debt refinancing","url":"https://dealroom.so/glossary/business-debt-refinancing"},{"slug":"mortgage","term":"Mortgage","url":"https://dealroom.so/glossary/mortgage"}],"related_questions":[{"question":"What is the difference between a 7(a) loan and an SBA 504 loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-difference-between-a-7-a-loan-and-an-sba-504-loan"},{"question":"What are the key distinctions between an SBA 7(a) and an SBA 504 loan?","url":"https://dealroom.so/sba-loans/basics/what-are-the-key-distinctions-between-an-sba-7-a-and-an-sba-504-loan"},{"question":"What is the difference between an SBA 7(a) loan and an SBA 504 loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-difference-between-an-sba-7-a-loan-and-an-sba-504-loan"},{"question":"What is the main difference between an SBA 7(a) loan and an SBA 504 loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-main-difference-between-an-sba-7-a-loan-and-an-sba-504-loan"},{"question":"Can I use an SBA 7(a) loan to refinance existing business debt?","url":"https://dealroom.so/sba-loans/basics/can-i-use-an-sba-7-a-loan-to-refinance-existing-business-debt"},{"question":"Can an SBA 7(a) loan be used to refinance existing business debt?","url":"https://dealroom.so/sba-loans/basics/can-an-sba-7-a-loan-be-used-to-refinance-existing-business-debt"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — SBA 504 Refinance","url":"https://dealroom.so/glossary/sba-504-refinance","source_type":"DealRoom Data"}}