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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

504 Loan Helps Financial Professional Take Own Advice

Mar 2011

Where do financial professionals turn when they need fixed asset financing? Those in the know often turn to products that have a proven track record of reliability and value.

For Rodney Rich, founder of Rodney L. Rich & Co., Inc (RR & Co.) in Pensacola, the logical choice was the 504 loan program, which is often the same advice given to his small business clients.

RR & Co. is a leading insurance and investment consulting firm specializing in health insurance, life insurance, disability insurance, benefits enrollment and communication, supplemental benefits, individual planning and retirement plans. In fact, the company has been ranked as the 10th largest broker in the state of Florida.

Due to the company's continuous growth, Rich planned to relocate his operations to a larger facility and turned to the 504 program to finance the project. Proceeds of the 504 loan were used to purchase a property that had a small office building situated on it. Rich's plan was to construct another larger office building on the property, and use the smaller one for storage.

“A reduced down payment and below-market interest rate were a valuable benefit as Mr. Rich built his new facility,” said James Hosman, Florida First Capital Vice President and Business Development Officer for the Northwest and Florida Panhandle area. “It was really great to be able to work with a pillar of the community as Mr. Rich is regarded and to help further strengthen the local small business community.”

The 504 program is an essential component in the tool box of financial professionals around the state and one reason many businesses appreciate the 90% financing as a way to promote stronger balance sheets and healthy cash positions.

For more information about 504 loans in Florida, contact Florida First Capital by visiting www.ffcfc.com, emailing us at insider@ffcfc.com or calling 888.320.5504.

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