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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

504 Interest Rate Breaks Program Record Again; Approaches 3% Range

Dec 2012

Dec. 12, 2012 - The interest rate for 20-year Small Business Administration (SBA) 504 loans for commercial real estate and other major fixed asset purchases fell to an astonishing new record low level this month and at its current pace is poised to break into the 3% range.

The debenture bonds that funded December's 20-year 504 loans were sold to investors at an all-time low rate of 1.93%, beating out the previous record of 2.09%. This resulted in a final effective interest rate - the rate borrowers pay including servicing fees - of just 4.00% fixed.

This makes the eighth time this year the 20-year 504 interest rate has set a new low record. And if the trend continues, the 20-year 504 effective rate should fall below 4% at the beginning of the New Year. This is incredible for a fixed rate commercial loan, especially when you consider down payments can be as little as 10%.

(Understanding the 504 Loan Interest Rate)

SBA 504 loans are paired with private-sector commercial loans, providing up to $5 million of small business financing for standard projects and up to $5.5 million for green initiative and small manufacturer projects (SBA loan portions only; there is no limit on overall project dollar size).

For those small businesses that have been considering purchasing, building and expanding their facilities or upgrading their equipment, there has never been a better time to take advantage of these record low fixed interest rates. There are still deals to be made on commercial properties that are currently on the market at very attractive prices. If a small business has been considering investing in a building, now is a great time to act. (Getting Started on a 504 Loan)

There is just no better deal available today for the purchase of real estate or for expansion of existing facilities. Small business owners who are seeking financing for commercial real estate or equipment purchases are urged to contact Florida First Capital today to take advantage of these great interest rates while they last.

Florida First Capital Finance Corporation is a non-profit certified development company (CDC) that works with the SBA and private-sector lending partners to provide available and affordable financing to small businesses. Florida First Capital lends under the SBA 504 Loan Program as well as the State of Florida Recycling Loan Program and other small business assistance programs.

For more information about SBA 504 loans in Florida, contact Florida First Capital, Florida's original statewide SBA Certified Development Company. Email: info@ffcfc.com. Phone: 850.681.3601 or toll-free at 888.320.5504.

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