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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

SBA 504 Interest Rates Stay Low and Steady

Nov 2020

The fixed interest rates for Small Business Administration (SBA) 504 loans this month dropped slightly over October’s rates, remaining steadily in a historically low range to the continued advantage of small business owners looking to purchase major fixed assets, like real estate and machinery and equipment, or refinance conventional commercial mortgage and other business debt.

The low rates also include a slight increase in the ongoing SBA borrower fee effective for all loans approved on or after Oct. 1, 2020 -- not those that are funded after Oct. 1 – though, Sept. 30, 2021.

  • The October 25-year effective interest rate for standard 504 loans is 2.552% and 2.593% for refinance loans with the new fee calculation.
  • The October 20-year effective interest rate for standard 504 loans is 2.523% and 2.566% for refinance loans with the new fee calculation.

  • The 10-year effective interest rate for standard 504 loans is 2.417% and 2.469% for refinance loans (set bimonthly) with the new fee calculation.

The SBA 504 Loan Program provides up to 90% financing at below-market, fixed interest rates and long amortization terms up to 25 years for the purchase of major fixed assets, such as owner-occupied commercial real estate, renovations, new construction, energy efficient “green” initiatives and/or fixed heavy duty machinery and equipment, as well as the refinance of commercial mortgage and other business debt with or without a cash-out option.

504 loans are paired with private-sector commercial loans and provide up to $5 million of aggregate SBA eligibility on standard 504 projects; up to $5.5 million per 504 energy efficient green project not exceed $16.5 million in the aggregate; and up to $5.5 million per eligible small manufacturing project with no limit on total SBA dollars available. These are SBA 2nd mortgage loan portions only; there is no limit on overall project dollar size.

For more information about SBA 504 loans in Alabama, Florida or South Georgia, contact a Florida First Capital Loan Officer or email us at info@ffcfc.com. Phone: 850.681.3601 or toll-free at 800.504.LOAN.

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