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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 Ranked Largest SBA Lender in Florida

Nov 2006

The FY 2006 rankings are out, and Florida First Capital is the #1 SBA Certified Development Company (CDC) by loan-dollar volume in Florida. The company, which offers SBA 504 loans which create jobs and enable small business owners to own rather than rent commercial space, financed more than $388 million in small business projects during the fiscal year ending September 30. This output makes Florida First capital the leading CDC in Florida.

“While the national retail banks valuably impact many small businesses, Florida First Capital is an unheralded market leader in providing SBA real estate loans and creating Florida jobs,” said John Dunn of the SBA's Miami Regional office.

The 504 loan program offers a unique proposition for small business owners, and all 504 loans are completed in partnership with private-sector lenders. In many cases, borrowers receive 90 percent financing for commercial real estate projects that typically require higher down payments when financing through the private sector alone. The program is not subsidized by the federal government, so it is offered at no cost to taxpayers. Funds for the loans are obtained through the private bond market, and the maximum loan amounts are higher than any other SBA program.

“We are proud to be the lender that puts the most SBA dollars in the hands of Florida businesses,” said Todd Kocourek, president and CEO of Florida First Capital. “Through the 504 program, we are providing fuel for the small businesses that power Florida's economy.”

Florida First Capital Finance Corporation is a non-profit organization that promotes job creation throughout Florida by working with the SBA and private-sector lenders to provide financing to small businesses. It lends to small businesses under the SBA 504 loan program, the State of Florida Recycling Loan Program and other small business assistance programs. Operating throughout the state, Florida First Capital is the fifth largest Certified Development Company in the United States.

For information on the SBA or State of Florida loans, call 888-320-5504 or visit www.ffcfc.com.

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