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SBA 504 Loan Interest Rates

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June 2025

25-Year Fixed Rate Standard:
6.376%

25-Year Fixed Rate Refinance:
6.405%

20-Year Fixed Rate Standard:
6.395%

20-Year Fixed Rate Refinance:
6.434%

Estimated 10-Year Fixed Rate Standard:
6.204%

Estimated 10-Year Fixed Rate Refinance:
6.252%

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 Keeps Space Coast Motorists Moving Thanks to Thriving Franchise

Oct 2014

The first Tuffy Tire & Auto Service Center opened in 1970. Since then, the franchise has been committed to treating its customers and employees with honesty, respect, and professionalism while providing quality parts and service at an exceptional value and recognizing that satisfied customers are the foundation of their business.

The Tuffy franchise system is based upon the continued success of its franchise owners who measure success by how well they meet their customers' expectations. Recently, Tuffy franchisee S & S Auto Ventures in Port Orange, Florida, had the opportunity to purchase the property it had been leasing and sought a financing partner with equal expertise in providing a quality product at an affordable price and excellent customer service.

S & S Auto Ventures worked with Florida First Capital to secure a $663,000 Small Business Administration (SBA) 504 loan with just 10% down for the purchase of the land and 3,864 square-foot building. Proceeds were also used to cover professional fees and interim points and costs so that the borrower could reduce his cash outlay, thus helping to preserve working capital.

“Franchises are a large and growing segment of small businesses in Florida and the SBA 504 Loan Program provides an excellent path for obtaining the necessary capital that ensures the success of these projects,” said John Hanrahan, Florida First Capital Vice President and Business Development Officer for Central Florida. “Experience has taught us that with the right financing in place, franchises can capitalize on the brands that people know and trust to deliver what they promise,” he said.

Through inclusion in the SBA's expanding Franchise Registry, small businesses are assured eligibility for the 504 loan program, thus expediting the overall transaction timeline. Once all elements of a franchise agreement are reviewed and deemed acceptable by the SBA, any prospective or active franchisee of that particular system can initiate a loan request.

For more information about SBA 504 loans in Florida,contact a Florida First Capital Loan Officer hereor email us atinfo@ffcfc.com. Phone: 850.681.3601 or toll-free at 888.320.5504.

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