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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 Recognized As Top SBA Lender at Annual Small Business Week Celebration

May 2014

The Small Business Administration (SBA) acknowledged Florida First Capital Finance Corporation as the top SBA lender in North Florida for total dollar volume in 2013 during its 22nd Annual Small Business Week Celebration, which was held April 22, 2014, in Jacksonville.

Florida First Capital received the award for producing 102 loans totaling $61,565,000 for the fiscal year that ended Sept. 30 in the SBA's North Florida District, which covers 43 counties and stretches from Orlando to Jacksonville and west through the Florida Panhandle.

The company has held the top SBA lender position for dollar amount in the District for the last 10 years among a notable list of banks, credit unions, non-bank lenders and other Certified Development Companies.

The SBA 504 Loan Program offered through Florida First Capital offers up to 90% financing at below-market, fixed interest rates with amortization terms up to 20 years. 504 loan proceeds may be used to finance the purchase of major fixed assets, including commercial real estate and/or heavy duty fixed machinery and equipment. Projects start at $125,000 and can exceed $20 million.

“The 504 Loan Program provides affordable financing to small business owners allowing them to grow and expand, which in turn creates jobs, revenue and stronger communities,” said Deborah Petrell, Senior Vice President and Sales and Marketing Manager of Florida First Capital. “Our professional staff works hard to ensure the 504 Loan Program is available to small businesses in all 43 counties of the North Florida District. It is their perseverance that made this and our prior accomplishments possible,” she said.

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

For more information about SBA 504 loans in Florida,contact a Florida First Capital Loan Officer hereor email us atinfo@ffcfc.com. Phone: 850.681.3601 or toll-free at 888.320.5504.

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