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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.

The Rebuild Florida Business Loan Fund

Update: Funds are Fully Deployed for the Resiliency Working Capital Loan Fund to Help Florida’s Small Businesses and Its Economy to Grow.

The $40 million Rebuild Florida Business Loan Fund has been fully deployed. The Fund was designed to provide existing and new Florida small businesses with easy access to available and affordable working capital at reasonable interest rates and terms to help them grow and expand. The fund is now a revolving loan fund with liquidity only available as loans are repaid. Please be aware that the success of the full deployment necessarily limits the ability to fund new loan applications. Interested parties apply with that knowledge and understanding. 

  • However, an additional $10 million in funds remains available to assist businesses located in the Hurricane Michael impacted counties of Bay, Calhoun, Franklin, Gadsden, Gulf, Holmes, Jackson, Leon, Liberty, Taylor, Wakulla and Washington counties

Please be aware that further funds availability, other than for the Hurricane Michael impacted counties, are subject to existing loan repayments.

Eligibility Requirements 

  • Must be located in Florida, operate primarily in Florida and be authorized to operate in Florida.
  • Must be owned and controlled by persons who are lawfully in the United States and have an appropriate work Visa.
  • Must be legally able to contract debt.

Allowable Use of Funds

  • Purchase orders; seasonal financing; and purchase of inventory.
  • Machinery and equipment; acquisition of land as part of a business development project; FF&E; and commercial real estate.
  • Landscape; business acquisition; and business expansion.

Loan Amounts & Terms

  • Express: Up to $350,000; 3-5 year terms; 10% borrower down payment (minimum).
  • Standard: Up to $2,500,000; 5-10 year terms; 10% borrower down payment (minimum).
  • The minimum loan size is $25,000.
  • Loans must be collateralized.

Interest Rate

The interest rate is derived from the Prime Rate as listed in the Wall Street Journal. Contact us for current rates.

The Rebuild Florida Business Loan Fund is a partnership between the U.S. Economic Development Administration (EDA) and FloridaCommerce (formerly the Florida Department of Economic Opportunity), which serves as the overall administrator of the program.  Florida First Capital serves as the state of Florida appointed fiscal administrator of the program.

A total of $50 million in state and federal funds was available:

  • Now fully deployed-$40 million in funds to assist small businesses statewide.
  • A total of $10 million in funds are designated specifically to assist businesses located in Bay, Calhoun, Franklin, Gadsden, Gulf, Holmes, Jackson, Leon, Liberty, Taylor, Wakulla and Washington counties

NOTE: The Rebuild Florida Business Loan Fund is available only in Florida.

Apply Here

Go to the following link on the DEO's website to create a secure log-in account and complete an application.

For questions or more information, contact us toll-free at 800.504.LOAN.

Explore Your Small Business Loan Possibilities