SBA LENDING

SBA 504 Lending

Maximize working capital and cash flow with flexible financing terms!

Start or expand your business

As a nationwide preferred SBA lender, Happen Bank will work closely with you to evaluate your needs, develop a customized solution, and guide you through the process from start to finish.

Highlights of SBA Lending

Multi-use and Special-use Real Estate
Start-ups
Business Acquisitions (up to $5 million)
Franchise Lending

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Features of the 504 Loan Program

National Coverage
All Property Types (Assisted Living, Child Care, Limited-Service Hotels)
Construction Financing
Long-term Fixed Rates Available

Loan Qualifications

10%-20% Equity Injection Depending on Multi-use, Special-use or Start-up
1.15x Debt Service Coverage Ratio Last Full Fiscal Year and Interim
Prior Ownership & Management Experience Preferred
Minimum FICO = 660

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Why Choose Happen Bank?

“Joyce in Customer Service was great… she spent a lot of time with me and made me feel appreciated as a customer.” ¹

- Hayden S.

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Get in touch!

Speak with someone from our small business lending team today!

Security

Keeping your financial info private and secure is our priority.

FDIC Insurance

Deposits are FDIC-insured up to the maximum amount allowed—$250,000.

Customer support

Have a question? Need a hand? We can help. Chat with us online, or reach us by phone or email.

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88 Kearny Street, Suite 600
San Francisco, CA 94108

¹Based on reviews collected by Trustpilot. All such reviews can be accessed at trustpilot.com/review/happen.com. This is one person's experience. Individual results may vary.

For Personal Loans, APR ranges from 5.96% APR to 35.96% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of July 06, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee of $916, for an APR of 18.40%. In this example, the borrower will receive $14,346 and will make 36 monthly payments of $522. Loan amounts range from $1,000 to $75,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states, and may not be available for all Personal Loan products and/or through all application channels or platforms.

Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.

Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval.

Our mailing address is: Happen Bank, N.A., 88 Kearny Street, Suite 600, San Francisco, CA 94108.  
“Happen” and the “H” symbol are trademarks of Happen Bank.

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