HomeSBA 504 Refinance Rules Become Permanent

SBA 504 Refinance Rules Become Permanent

We Reduce Business Debt

Lawscape is dedicated to helping business owners successfully resolve their business debt without headaches, or long term consequences.

We Provide Nationwide Business Debt Relief

Lawscape provides nationwide business debt relief services. We work a wide array of lenders, service providers, and types of business debt. We are able to restructure and reduce, all types of secured and unsecured business debt. 

Millions of Dollars in Debts

Our team has experience handling 10’s of millions in debt, ranging from SBA debt, to Merchant Cash Advance and more. 

All Types Of Debt

Regardless of the type of business debt you have, we can help. We have experience handling all types of secured and unsecured business debt. 


Our company is led by experienced business debt relief experts who have experience handling secured and unsecured debt nationwide. 

Failing To Repay Business Debt Isn’t The End

Many business owners think failing to repay business debt means: your business is over.

This simply isn’t true. Business debt is a problem which CAN be handled, just like everything else; but only if you take pro-active steps. Lawscape helps you understand the law, and works with you to make sure that business debt isn’t the end of your business. 

What Are Some Ways We Can Help With Business Debt Relief?

Our experienced business debt relief consultants are here to help you through this stressful time. 

SBA 504 Refinance Rules: A Continuing Strategy for SMEs

Alright, my friends who are running eligible small-scale ventures, let’s talk. Have you heard about the recent changes to the Small Business Administration (SBA) 504 Refinance Program? This, my friends, could be your golden ticket to having greater options to refinance your valuable fixed assets and streamline your business expenses. It’s all thanks to the firm decision made by SBA administrator Maria Contreras-Sweet to make this program a fixed fixture. No fade-outs, no cut-offs — it’s here to stay.

Why, you may ask? Well, Maria’s main objective here is to lighten the financial load for you, the backbone of our economy. And the cherry on top? These changes also craft a lucrative environment for possible expansions and job opportunities. It’s a win-win, folks — for you and the economy.

Betting Big on the 504 Refinance Program

During her speech, Contreras-Sweet couldn’t hide her excitement about these changes. She’s been on both sides, as a small company owner and a banker, so she’s not just thinking, she’s KNOWING that capital accessibility is a real game-changer when it comes to a small business’s survival and growth.

Now, the 504 loan program, with its long-term fixed-rate, aims to offer you a lifeboat in the form of refinancing your debt. It will help you side-step those volatile, adjustable rate loans, ultimately providing you significant savings. Converting your existing loans into a new, cheaper one can elevate your cash flow — and guess what that means? It becomes easier, particularly in this resurgent economy, to keep your business afloat.

Open for Applications: SBA 504 Refinance Program

Don’t worry, the wait isn’t long. The SBA started accepting applications from entrepreneurs like you from June 24, 2016. This initiative, backed by a significant $7.5 billion, came to life thanks to lawmakers, lenders, and small business forces joining hands. This collaboration made the 504 Refinance Program an everlasting asset to facilitate small business growth, thereby nourishing our economy.

A Brief History and What’s Next for the 504 Refinance Program

Just to give you some context, the 504 Refinance Program wasn’t always a permanent feature. Initially, it was implemented as a temporary solution under the Small Business Jobs Act of 2010, but it expired on September 27, 2012. However, on December 18, 2015, as part of the Consolidated Appropriations Act of 2016, this initiative became a fixed feature under the 504 Loan Program.

Today, the SBA holds authorization to approve up to $7.5 billion for both the regular 504 Loan Program and the 504 Debt Refinancing Program. This takes the total authorization to a whopping $15 billion under the 504 lending combination. However, the operational strategy is to keep it restricted to fiscal years with zero subsidy costs to the government.

Running into Issues with Your SBA loan?

If your SBA loan seems to go south, don’t panic. Connect with us at Lawscape — we can offer a free first meeting with our experienced SBA lawyers. We’ll dissect your SBA loan issues and suggest potential remedies such as an SBA offer in compromise.

Why Trust Lawscape with Your Treasury or SBA Debt Problems?

Here’s where we take the stage. At Lawscape, we’ve gracefully resolved millions of dollars in SBA debts through offer in compromise and negotiated repayment agreements — and this is without pushing our clients towards bankruptcy or home foreclosure.

We’ve also effectively defended against millions of dollars in Treasury debts through AWG hearings, Treasury Offset Program Resolution, cross-servicing disputes, private collection agency representation, compromise offers, and negotiated repayment agreements.

And let’s not forget: our attorneys have the green light under the Agency Practice Act to represent federal debtors nationwide — before the SBA, The SBA Office of Hearings and Appeals, the Treasury Department, and the Bureau of Fiscal Service. We’re here for you. So, feel free to join us and sail smooth through your SBA or Treasury Debt waterways.

Lawscape Can Help You Manage Your Business Debt

If you’re struggling with business debt, we can help you understand your situation. During the initial consultation, we’ll go over the contract, and other legal documents you signed. After that, our firm will work with you to get a better understanding of your situation, and help you come up with a game plan that keeps your business alive. 

We Handle It All


Merchant Cash Advance


SBA Debt Relief


Secured Business Debt


Unsecured Business Debt

Everyone has different types of business debt. What matters is that you take it seriously. Regardless of whether it’s secured, or unsecured, you need to work with a firm that understands how to negotiate, reduce, settle, and manage, this business debt. 

Discuss your situation today

We are here to help you, and want nothing more than to help you save your business. Speak to our business debt relief specialists today.

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