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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.

 

Looking for some help? Call 800.504.LOAN or Email Us

Interest Rates

Servicing the States of Alabama, Florida, and Georgia.

Lending News Archives

Florida First Capital Achieves Top SBA Lender Position in North Florida

Nov 2011

Florida First Capital Finance Corporation is the top Small Business Administration (SBA) lender by dollar volume for FY 2011 in the 43-county SBA North Florida District, which stretches from Orlando to Jacksonville and west through the Florida Panhandle.

According to SBA data for the fiscal year that ended Sept. 30, 2011, Florida First Capital, a non-profit certified development company, attained the top SBA lender spot for producing 88 loans totaling $45,285,000.

Over the last decade, Florida First Capital has been the leader in 504 lending among a distinguished list of banks, credit unions, non-bank lenders and other certified development companies in the district.

SBA 504 loans are paired with private-sector commercial loans to finance the acquisition of major fixed assets, including the purchase, construction, expansion or renovation of commercial property and/or the acquisition of heavy duty machinery and equipment, as well as to refinance eligible fixed assets. The program offers up to 90% financing at below-market, fixed interest rates with amortization terms up to 20 years.

“Our professional staff works diligently to make certain the 504 loan product is available to small businesses in all 43 counties in the Northern District of Florida. It is their hard work and commitment that made this and our prior accomplishments possible,” said Todd Kocourek, president & CEO of Florida First Capital.

Florida First Capital wishes to thank its 504 commercial lending partners as well as congratulate its North Florida District Sales Team: John Hanrahan, VP & Loan Officer, Central Florida Region; Kristen Tackett, VP & Loan Officer, Northeast Florida Region; and James Hosman, VP & Loan Officer, Northwest & Florida Panhandle Region.

For more information about SBA 504 loans in Florida, contact Florida First Capital by visiting www.ffcfc.com, emailing at info@ffcfc.com or calling 888.320.5504.

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