Helpful, responsive SBA 504 financing

Serving Oregon since 1983

What is a CDC?Certified Development Companies (CDC) work with SBA and private-sector lenders to finance major fixed assets like real estate and equipment for business expansion. At Cascade Capital, we serve all of Oregon, as well as several counties in Washington state. We are also the largest Oregon-based CDC participating in SBA’s Accredited Lenders and Certified Closing program, so we can quickly process complex commercial loan transactions.

Contact us

Cindy Kent, Executive Director cindy@cascade.capital

Sadie Sands, Executive Assistant sadie@cascade.capital

960 Broadway St NE, Suite 2 Salem, OR 97301

503-990-6868www.cascadecapitalfunding.com

Funding business expansionBusinesses considering expanding by investing in real estate or purchasing equipment benefit from the SBA 504 loan program. Cascade Capital collaborates with your bank or credit union to provide long-term loans with reasonably priced, fixed-rate financing and low down payments. This program is particularly attractive to businesses that have difficulty getting traditional business financing.

Here for youResponsive service: You’ll work with one person throughout the process. We place a high priority on getting back to you quickly and keeping the process moving smoothly.

Minimal hassles: We specialize in 504 funding and work closely with your financial institution to make the process simple and hassle-free. We can even help you complete your paperwork.

Local focus: Oregon is our home. We work with Oregon banks and credit unions. We’re invested in our state and in your success.

Let’s work togetherSmall businesses face many challenges when they consider how to finance their growth. We can help.

We work closely with the bank or credit union of your choosing to make the loan. Because you can usually keep your out-of-pocket costs to 10 percent of the projects costs, you can preserve your cash for other needs. Most importantly, you are able to move forward with buying a building for operations or adding equipment to improve your productivity.

When you talk with your banker, ask about the 504 program. Together, we’ll make the program work for you.

Cindy Kent,

Executive Director

Let’s be partnersWe want you to be successful, so we’re here for you from funding until your loan is paid off.

Often, the SBA 504 loan becomes the preferred way that businesses obtain funds for their expansion. Many have more than one loan.

You can always call us with questions. We enjoy hearing how businesses are growing and changing.

How do I get started? 1 Select the bank or credit union you want to

work with

2 Meet with your banker and talk about what

you want to do

3 Ask about the 504 program

4 Suggest that you would like to work with

Cascade Capital

5 Fill out an application

We partner with lead lenders to make the process

efficient for borrowers and minimize paperwork.

504 program specifics Loan size: Most projects range from $100,000 - $5 million, but the total project loan could be up to $13 million. The financial institution funds 50 percent of the loan, and we fund up to 40 percent, depending on how long a business has operated. New businesses and startups will have a higher down payment.

Interest rate: Fixed for duration of loan

Collateral: In general, collateral is limited to project real estate and/or equipment financed.

Fees: Our servicing fee is the lowest allowed by the SBA, and you can include the fees in the 504 loan.

Eligibility• Non-publicly traded businesses

• Net worth (including affiliates) cannot exceed $15 million

• Average net profit after taxes for two consecutive years cannot exceed $5 million

• 51% of ownership must be by U.S. citizens or Legal Permanent Resident

Most businesses in Oregon qualify for a SBA 504 loan. Contact Cascade Capital for more detail.