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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.

 

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Interest Rates

Servicing the States of Alabama, Florida, and Georgia.

Lending News Archives

FFCFC 504 Keeps Expanding Business . . . Expanding

Jan 2007

Barry Stem, President and CEO of Duratek Wall Corporation and Duratek Precast Technologies reports, “We would have been in big trouble if we hadn't been able to make use of FFCFC's 504 loan program. The cash savings allowed by our two 504's made it possible for us to purchase one facility, completely renovate another and finance needed manufacturing equipment.”

Barry confirmed that Duratek has recently finalized plans to construct a 75,000 square-foot facility on a 14-acre industrial site located in the Hernando County Airport Rail Park on US 41. Brooksville ( Hernando County). He said that the company will invest more than $11 million in these capital improvements. Industrial Revenue Bonds are expected to be issued by Hernando County to fund this project.

Earlier Duratek utilized two FFCFC 504's to help it expand- one in 2002 to purchase existing improved property and one in 2005 to renovate another piece of improved property and to purchase equipment used in Duratek's manufacturing process. As a manufacturer, Duratek is entitled to utilize up to $4,000,000 in SBA guarantees, which translates into more than $10,000,000 in total financing that is available to the company through the FFCFC 504 loan program.

When the Hernando Rail Park project is complete, Duratek expects to have more that 200 employees on its payrolls. “When we started with financing our expansions 2002, I recall we had just 25 or a few less employees,” said Stem. “It is and has been a pleasure to work with FFCFC,” he concluded.

Duratek manufactures perimeter wall and gated community systems that compete with traditional masonry block, stone walls and entryways. The Duratek system has many advantages over traditional techniques: economy, speed of construction, environmentally friendly, flexible design, engineered for high wind loads, cosmetic appearance and 100% turnkey. Their website indicates a 15% to 30% savings over traditional concrete block processes. Customers include developers, contractors and city and state public works departments.

We are extremely proud to have been a part of Duratek's success and we look forward to being able to work with Barry and his companies in the future,” said Todd G. Kocourek, President and CEO of FFCFC.

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