Owning rather than leasing your commercial property can really pay off. For many small businesses, a monthly mortgage payment can be the same or less than a lease payment. And your SBA 504 fixed rate loan payment won't increase annually - like your lease rate will. Owning, of course, also helps boost your equity, and the SBA 504 needs just a minimal down payment. Using our loan calculator below, see how an SBA 504 loan for 90% of your building purchase can be advantageous for your business.