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SBA 504 Loan Interest Rates

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December 2024

25-Year Fixed Rate Standard:
6.096%

25-Year Fixed Rate Refinance:
6.125%

20-Year Fixed Rate Standard:
6.204%

20-Year Fixed Rate Refinance:
6.234%

10-Year Estimated Fixed Rate Standard:
6.506%

10-Year Estimated Fixed Rate Refinance:
6.542%

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.

SBA 504 Loan Program for Real Estate Brokers

Looking for a Sales Edge? We Can Help You Close More Deals and Earn More Commissions.

Imagine having a financing tool at your disposal that can help you close more commercial real estate deals and earn more commissions quickly and easily. The SBA 504 Loan Program offered through First Capital Finance/Florida First Capital is just such a tool.

The 504 Loan Program is designed specifically for small business owners desiring to grow and expand through the purchase of commercial real estate. The program’s low down payments (10% in most cases) and affordable terms can make real estate ownership a reality for small business owners, allowing you to get your clients into their own buildings faster.

First Capital Finance/Florida First Capital can help you lower the barriers to commercial real estate ownership. If your client is expanding, opening additional locations or building a new facility, we can help.

504 Loan Program Benefits

  • Attract more buyers with up to 90% financing at below-market, fixed interest rates (no ARMS).
  • 10-, 20- and 25-year amortization terms available (no balloons).
  • Associated fees and soft costs can be financed in the loan, minimizing out-of-pocket costs.
  • Projects from $125,000 to $20 million+.
  • Make a deal happen that might not have worked with conventional financing.

First Capital Finance/Florida First Capital Advantage

  • Our experienced professionals ensure you the best and most complete service the industry has to offer.
  • We take care of all communications, paperwork, coordination of project participants, underwriting, closing and servicing of the loan for its life.
  • Simultaneous closings for straight acquisition projects.

Explore Your Small Business Loan Possibilities