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SBA 504 Loan Interest Rates
September 2024
25-Year Fixed Rate Standard:
5.765%
25-Year Fixed Rate Refinance:
5.794%
20-Year Fixed Rate Standard:
5.833%
20-Year Fixed Rate Refinance:
5.864%
10-Year Fixed Rate Standard:
5.875%
10-Year Fixed Rate Refinance:
5.912%
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.
Economic development is a cornerstone of Florida First Capital/First Capital Finance. Our mission is to strengthen economic development efforts by providing available and affordable financial assistance to small businesses in conjunction with the SBA and private sector lenders.
All of our projects contain an economic development component, and in general projects must create or retain jobs based on SBA funding criteria. The 504 Loan Program offered through Florida First Capital/First Capital Finance is used effectively by economic developers because it helps fund projects that are not eligible for traditional economic development financing.
Purchase, construct, expand or renovate owner-occupied commercial real estate at up to 90% financing.
Acquire and install long-life fixed machinery and equipment at up to 90% financing.
Refinance commercial mortgage and other business debt up to 90% with or without a cash-out option.
Go green with your project and qualify for additional financing at up to 90%.
Interim phase second mortgage "bridge" financing for our 504 commercial lending partners.
A resiliency working capital loan fund to help Florida’s small businesses and its economy to grow and prosper.
Low cost loans to support industrial recycling throughout the state of Florida.
Connect with Network members to unlock vital capital resources to help meet your specific business financing needs.