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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.

 

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

Interest Rates

Servicing the States of Alabama, Florida, and Georgia.

Lending News Archives

October 504 Interest Rate Sets New Low Record - Again!

Oct 2012

The debenture bonds that funded this month's 20-year Small Business Administration (SBA) 504 loans were sold to investors at the low interest rate of 2.18%, nudging out last month by two hundredths of a percent to take the new record.

This resulted in a final October effective interest rate -- the rate borrowers pay including servicing fees - of only 4.26%. To date this year, the 20-year effective interest rate has averaged just 4.525%.

This makes the sixth time this calendar year (seven times if you count August which tied with July) the 20-year rate has set a new program record.

The September/October 10-year effective interest rate remains low as well at only 3.48%. The 10-year rate has averaged just 3.712% to date this year.

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

(Understanding the 504 Interest Rate)

SBA 504 loans provide 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 size).

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

With up to 90% financing and fixed interest rates this low, now is a great time to participate in the 504 Loan Program. What are you waiting for?

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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