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SBA 504 Loan Interest Rates
December 2024
25-Year Fixed Rate Standard:
6.096%
25-Year Fixed Rate Refinance:
6.125%
20-Year Fixed Rate Standard:
6.204%
20-Year Fixed Rate Refinance:
6.234%
10-Year Estimated Fixed Rate Standard:
6.506%
10-Year Estimated Fixed Rate Refinance:
6.542%
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.
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 504 Debt Refinancing Program with or without expansion.
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.
Loans made under the 504 Debt Refinancing Program are 504 loans and are subject to all applicable SBA 504 Loan Program requirements.
Debt refinancing with expansion is a strong option for small business owners looking to grow and expand their operations and reduce commercial debt at the same time.
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.