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SBA 504 Loan Interest Rates
FEBRUARY 2021
25-Year Fixed Rate Standard: 2.757%
1st Five Yrs: 2.659%; Note Rate: 1.360%
25-Year Fixed Rate Refinance: 2.799%
1st Five Yrs: 2.697%; Note Rate: 1.360%
20-Year Fixed Rate Standard: 2.720%
1st Five Yrs: 2.600%; Note Rate: 1.263%
20-Year Fixed Rate Refinance: 2.764%
1st Five Yrs: 2.640%; Note Rate: 1.263%
10-Year Fixed Rate Standard: 2.450%
1st Five Yrs: 2.260%; Note Rate: 0.697%
10-Year Fixed Rate Refinance: 2.489%
1st Five Yrs: 2.291%; Note Rate: 0.697%
Full-term rates shown; includes all servicing fees
Small business owners can lighten their monthly debt payments and access equity trapped in commercial real estate holdings by refinancing conventional real estate loans through the SBA’s permanent 504 Debt Refinancing Program.
Under the program available through Florida First Capital/First Capital Finance, small businesses can take advantage of below-market, fixed interest rate refinancing with repayment terms up to 25 years for up to 90% of the appraised value of commercial real estate property, without the requirement of expansion, which was required in the past. Borrowers may also refinance eligible business operating expenses (cash-out option).
Purchase, construct, expand or renovate owner-occupied commercial real estate at up to 90% financing.
Acquire and install long-life fixed machinery and equipment at up to 90% financing.
Refinance commercial mortgage and other business debt up to 90% with or without a cash-out option.
Go green with your project and qualify for additional financing at up to 90%.
Interim phase second mortgage "bridge" financing for our 504 commercial lending partners.
A resiliency working capital loan fund to help Florida’s small businesses and its economy to grow and prosper.
Low cost loans to support industrial recycling throughout the state of Florida.
Connect with Network members to unlock vital capital resources to help meet your specific business financing needs.