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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

President's Proposed SBA Budget for FY 2018

Mar 2017

President Donald Trump's proposed 2018 budget requests $826.5 million for the Small Business Administration (SBA), a $43.2 million or 5% decrease from the 2017 annualized CR level.

The proposed 2018 SBA budget:

•Supports more than $45 billion in loan guarantees to assist America's small business owners with access to affordable capital to start or expand their businesses.

•Strengthens the SBA's outreach center programs by reducing duplicative services, coordinating best practices, and investing in communities that would benefit from the SBA's business center support. As a result, the SBA would be better positioned to strengthen local partnerships and more efficiently serve program participants while achieving savings over the 2017 annualized CR level.

• Supports over $1 billion in disaster relief lending to businesses, homeowners, renters and property owners to help American communities recover quickly in the wake of declared disasters. Through the disaster loan program, the SBA is able to provide affordable, accessible and immediate direct assistance to those hardest hit when disaster strikes.

•Achieves $12 million in cost savings from the 2017 annualized CR level through identifying and eliminating those SBA grant programs where the private sector provides effective mechanisms to foster local business development and investment. Eliminations include PRIME technical assistance grants, Regional Innovation Clusters and Growth Accelerators.

•Provides training and support services for transitioning service members and veterans to promote entrepreneurship and business ownership. These programs help to fulfill the President's commitment to support the nation's veterans by providing business counseling, lending and contracting assistance.

•Maintains $28 million in microloan financing and technical assistance to help serve, strengthen and sustain the smallest of small businesses and startups.

•Allows the SBA to advocate and assist small businesses in accessing Federal contracts and small business research opportunities government-wide.

For more information about SBA 504 loans in Florida, South Alabama or South Georgia,contact aFlorida First Capital Loan Officeror email us atinfo@ffcfc.com. Phone: 850.681.3601 or toll-free at 888.320.5504.

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