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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.

 

Looking for some help? Call 800.504.LOAN or Email Us

Interest Rates

Servicing the States of Alabama, Florida, and Georgia.

Lending News Archives

4-Peat: Florida First Capital Finance Corporation Remains #1 in Statewide SBA Lending

Nov 2019

Thank you, thank you, thank you, thank you to all our awesome small business borrowers and commercial lending partners across the state for working with and helping us remain Florida's # 1 Small Business Administration (SBA) lender for 4 years in a row!

According to the SBA, Florida First Capital - a multi-state nonprofit Certified Development Company operating in Alabama, Florida and South Georgia - produced the following results for the Fiscal Year 2019:

• 266 SBA 504 loan projects in Florida resulting in $240,136,000 of approved 504 dollars and $540,306,000 in total project financing, outperforming all 504 and 7(a) lenders in the Sunshine State.

• Total 504 loan production for FY 19 was 275 projects resulting in $246,137,000 of approved 504 dollars and $553,808,250 in total project financing.

• #1 504 loan producer in the SBA's Region IV area of operation, serving Alabama, Florida, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, and Tennessee.

• #1 producer nationally of SBA 504 Refinance Loans and # 3 overall 504 loan producer nationally among all active Certified Development Companies.

FULL LIST OF ALL 504 AND 7(a) PARTICIPATING LENDERS IN FLORIDA FOR FY 19

That momentum has continued for the beginning of FY 20. Through Oct. 31, Florida First Capital is currently the #1 504 lender nationally, as well as in Florida and Alabama.

October also marked the company's highest monthly loan production total in its 36-year history with 41 deals totaling $44,122,000 of approved 504 dollars and $99,274,500 in total project financing. While one month does not make a year, the company is poised for another strong year of SBA loan production.

Some may say we're bragging, and that's okay. Thanks to our visionary President and CEO, Todd Kocourek, our tremendous and dedicated volunteer Board of Directors and an amazing professional lending team, we've earned it. #SorryNotSorry #SBA504Loan

At Florida First Capital, helping small business owners achieve their dreams is personal. It's been our mission for over 36 years and growing!

For more information about SBA 504 loans in Alabama, Florida or South Georgia, contact a Florida First Capital/First Capital Finance Loan Officer or email us at info@ffcfc.com. Phone: 850.681.3601 or toll-free at 800.504.LOAN.

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