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SBA 504 Loan Interest Rates

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July 2025

25-Year Fixed Rate Standard:
6.377%

25-Year Fixed Rate Refinance:
6.406%

20-Year Fixed Rate Standard:
6.397%

20-Year Fixed Rate Refinance:
6.436%

10-Year Fixed Rate Standard:
6.190%

10-Year Fixed Rate Refinance:
6.226%

Official monthly SBA 504 effective interest rate tables can be found at Eagle Compliance LLC. 25- and 20-year term loans fund every month; 10-year term loans fund every other month. Effective interest rates are inclusive of servicing fees, which are subject to credit risk of the applicant.

 

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Interest Rates

Servicing the States of Alabama, Florida, and Georgia.

Lending News Archives

2nd Annual Florida SBDC Report: State of Florida's Small Businesses

Dec 2016

The Florida SBDC Network, the state's principal provider of business assistance and thought leader for small business, recently released its second annual State of Small Business Report: Small Business and Its Impact on Florida, which provides an overview of the size, scope and well-being of Florida's small businesses.

Florida is home to 2.3 million small businesses, of which employ 3.1 million or 43.2% of the state's private-sector workforce. Florida's small businesses create three out of every four jobs and have been a major contributor to the 1.2 million private sector jobs created since December 2010.

"Small businesses are critical to our economy," said Michael Myhre, CEO and Network State Director for the Florida SBDC. "Florida consistently ranks as one of the best states for business, however small businesses continue to face a host of challenges, including cybersecurity and access to capital. Our hope is that this report will serve as a primary index on the state of Florida's small businesses for future policy and decision-making in their support."

The State of Small Business report includes an economic forecast by Dr. Rick Harper, Associate Vice President for the Center for Research and Economic Opportunity at the University of West Florida, as well as data on small business demographics, overview of small business challenges, outlook on small business lending and more.

The report combines data from the Small Business Administration's (SBA) Small Business Profile reports, U.S. Bureau of Labor Statistics, U.S. Census Bureau and other data sources.

State designated as "Florida's principal provider of business assistance," the Florida SBDC Network provides tools, resources, and expertise to help small businesses grow and succeed.

Full Report

About the Florida SBDC Network:

State designated as “Florida's principal provider of business assistance,” the Florida SBDC Network of over 40 centers provides tools, resources, and expertise to help small businesses grow and succeed. The Florida SBDC Network is funded in part by the SBA and is nationally accredited by the Association of SBDCs.

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