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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

Additional Changes to Temporary Debt Refinancing

Apr 2011

The Small Business Administration (SBA) has published SBA Policy Notice 5000-1204, announcing additional changes to the 504 temporary debt refinancing program. It also has published a revised SBA Form 2416, Lender Certification for Refinanced Loan (4-11). The SBA has not yet posted the new SBA Form 2288TR, Interim Lender Certification for Temporary Debt Refinancing Program.

The latest changes to temporary debt refinancing in SBA Notice 5000-1204 are:

(1) Standby Requirement for Deficiency Note is not Mandatory.

(2) Modification or Assignment of Existing Loan Documents.

(3) Escrow Closing for Simultaneous Funding of Same Institution Debt.

(4) Interim Financing if not Same Institution Debt.

(5) Same Institution Debt Lender Certification.

(6) Revised SBA Form 2416, Lender Certification for Refinanced Loan (4-11).

If you would like to access the TI Memo, SBA Notice 5000-1204 or SBA Form 2416 (4-11), please click below.

TI Memo 35-11,SBA Notice 5000-1204,SBA Form 2416.

For more information about 504 loans in Florida, contact Florida First Capital by visiting www.ffcfc.com, emailing atinsider@ffcfc.comor calling 888.320.5504.

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