A $500,000 business loan is serious growth or acquisition capital. Lenders underwrite it like a partnership — reviewing financials, collateral and your plan — and reward strong applicants with excellent terms.
What a $500,000 loan can do
- Acquire a larger business
- Buy or build commercial real estate
- Fund a multi-location expansion
- Purchase large equipment or a full fleet
Collateral and financials matter: at $500k, SBA and commercial real estate loans offer the best rates and longest terms for qualified borrowers.
Which loan types reach $500,000?
SBA 7(a) and 504 loans, commercial real estate loans, acquisition loans, and large term loans reach $500,000.
What you'll typically need
| Requirement | Typical minimum |
|---|---|
| Time in business | 2+ years |
| Annual revenue | $750,000+ |
| Credit score | Varies by product; revenue-based options are flexible |
| Documents | Application + bank statements (financials for larger amounts) |
Not sure how much you qualify for? Try the loan calculator or just get matched below — we'll show the amounts and terms you're eligible for.
Other amounts: $50k · $100k · $250k · $500k · $1M
Frequently asked questions
What do I need for a $500,000 business loan?
Strong credit (typically 660+), two or more years in business, solid financials and often collateral. A clear use of funds and clean books are key.
What is the best loan for $500k?
For real estate or equipment, SBA 504 offers a long-term fixed rate; for flexible use, SBA 7(a) or a large term loan.