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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.

 

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Interest Rates

Servicing the States of Alabama, Florida, and Georgia.

Lending News Archives

Interest Rates for SBA 504 Loans Continue to Plunge

Nov 2012

For the seventh time this year, the interest rate for 20-year Small Business Administration (SBA) 504 loans fell to the lowest level in the lending program's history.

The debenture bonds that funded this month's 20-year 504 loans were sold to investors at an interest rate of 2.09%, falling below the previous record of 2.18%. This resulted in a final effective interest rate - the rate borrowers pay including servicing fees - of 4.17%. To date this year, the 20-year effective interest rate has averaged only 4.49%.

The 10-year 504 debenture bonds, which are sold bi-monthly, were sold at an interest rate of 1.01%. This resulted in a final effective interest rate of 3.52%. To date this year, the 10-year effective interest rate has averaged just 3.68%.

Both the 20- and 10-year SBA rates are fixed for the term of the 504 loan and require as little as a 10% borrower down payment.

Interest rates this low make the 504 Loan Program offered through Florida First Capital the very best deal available for small business owners looking to expand and modernize their operations through the purchase of major fixed assets, including commercial property and/or heavy duty machinery and equipment.

SBA 504 loans are paired with private-sector commercial loans, providing up to $5 million of small business financing for standard projects and up to $5.5 million for green initiative and small manufacturer projects (SBA loan portions only; there is no limit on overall project dollar size).

There has never has been a better time to participate in the 504 Loan Program and small business borrowers should take advantage of this extraordinary opportunity while it lasts. (Get Started on Your 504 Loan)

For more information about SBA 504 loans in Florida, contact Florida First Capital, Florida's original statewide SBA Certified Development Company (CDC). Email: info@ffcfc.com. Phone: 850.681.3601 or toll-free at 888.320.5504.

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