Your in-house CFO for the 504 — so the financing doesn't keep you renting.
Owning the building your business operates in is one of the best moves an owner can make — you stop paying a landlord and start paying yourself. Most owners never do it, because the 504 looks daunting: two loans, a development company you've never heard of, an appraisal, an environmental report, and a forecast you don't know how to build. This is the CFO in your corner for exactly that: a plain-English guide and a workbook that sizes all three pieces of the deal, runs the numbers against the current SBA rules, and prints the one page your bank and CDC drop in the file.
Get the package See what's insideA 504 needs two yeses — the bank and the CDC. They look for the same three things.
A 504 finances up to 90% of the project — about 50% from a bank first mortgage, 40% from a fixed-rate CDC/SBA debenture, and 10% from you — but only when you demonstrate three things. Most owners have the numbers to make the case; they just don't know how to lay them out. This package helps you do exactly that.
A 20-tab workbook built to SOP 50 10 8, and a guide that assumes you know nothing about SBA loans.
This isn't priced against other spreadsheets. It's priced against what the alternative costs — and against the building you finally buy.
A loan packager charges thousands to assemble this by hand. But the real comparison is bigger: the years of rent you'll stop paying a landlord once you own the building, and the fixed-rate, 25-year debenture that locks your largest occupancy cost for a generation. The package that gets you there — once — returns its price many times over, and you keep the model for the next property.
There's cheap-and-generic, and there's expensive-and-human. This is the gap in between.
| Option | Cost | What you get |
|---|---|---|
| Free templates (SBDC / SCORE) | $0 | Generic projections; not 504-specific, no two-loan structure, no occupancy or job math. |
| Online projection templates | $10–$300 | A projection, not a 504 package — no 50/40/10, no combined coverage, no occupancy or appraisal logic. |
| SBA loan packager / consultant | $2,000–$10,000+ | The real thing, by hand — expensive, and on their schedule. |
| This package | $349 | The packager's deliverable, productized and 504-specific: the two-loan structure, the SOP checks, occupancy, jobs, and a balancing monthly model. Self-serve and immediate. |
Your owner-users ask the same question every time. Hand them the answer — with your name on it.
The financing package the owner can't build is what stalls your files. This guide and workbook turn an unprepared owner-user into a fundable one — the 50/40/10 structure, the combined coverage, occupancy, jobs, and the lender-ready Credit Summary. Everyone in the chain only gets paid if the deal closes — an owner who quits at the financing step takes the payday with them. Keeping more of them in raises the percentage of your deals that close.
Co-brand it free. Put your name, photo, and number on the tool and hand it to every owner-user. Referral arrangements for paid packagers; CDC, brokerage, and association licensing available.
Become a partner →Sold as one — the guide and the workbook together. The guide is not sold separately.
$349
The guide plus the 20-tab workbook — the 50/40/10 Sources & Uses, the two-loan structure, the monthly three-statement model, occupancy and job-creation tests, appraisal/LTV, historical & global DSC, Form 413, Form 2202, and the lender-ready Credit Summary. Single-user license, updates within the edition.
Buy the package →Part of the Baratelli SBA suite — pairs with the 7(a) Acquisition edition when you're buying a business and its building. Annual updates subscription (new SOP, fees, and rates): $99/yr. CDC, broker, and firm licensing available; contact the Institute.
Backed by a 30-day money-back guarantee. Authored by Philip A. Baratelli, CPA, MBA — former public-company CFO, corporate controller and treasurer, and family-office CFO. The model and the guide he built so an owner could stop renting and start owning.
Get the package →