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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 Loan Helps Indoor Range Take Aim

Apr 2015

What does it take to satisfy active duty law enforcement and military personnel that are looking to maintain the highest level of marksmanship? For one, it takes a state-of-the-art indoor shooting facility that is flexible enough to encourage the everyday business of the casual or “amateur” gun enthusiast as well as offer the skill honing challenges to keep the experts engaged.

One such facility can now be found in Northwest Florida and is the only indoor range of its kind in the area. The new Pensacola Indoor Shooting Range (PISR) provides a safe, climate controlled facility for area gun owners to learn safe weapons handling techniques and to hone their skills.

When owner Thomas King, a 30-year veteran of the firearms industry, decided to proceed with the ground-up construction project, he worked with Florida First Capital to secure a Small Business Administration (SBA) 504 Loan Program with only a 15% down payment which allowed him the flexibility to preserve cash for working capital while providing an extended repayment term.

“This is a project that clearly benefitted from the aggressive savings structure that is a hallmark of the SBA 504 Loan Program, said James Hosman, Florida First Capital Vice President and Business Development Officer for Northwest and the Florida Panhandle. “When Mr. King envisioned the 6,300 square-foot facility, Florida First Capital was able to provide the $1.73 million financing package needed to make this project a reality,” he said.

PISR offers 10 shooting lanes for use by its members and the general public as well as on-site classes related to concealed carry permits, general weapons handling, marksmanship and responsible ownership. PISR also offers a fully stocked gun pro shop with new and used firearms as well as a full line of shooting supplies and accessories.

The versatility of the SBA 504 Loan Program has long been a key component to the successful use of this innovate and beneficial financing option for small businesses. In the case of ground-up construction projects, the 504 program helps growing and expanding small business owners realize the benefits of great terms that include low down payments, fixed interest rates and long amortization periods.

Visit the Pensacola Indoor Shooting Range online at www.pensacolaindoorshootingrange.com.

For more information about SBA 504 loans in Florida,contact a Florida First Capital Loan Officer hereor email us atinfo@ffcfc.com. Phone: 850.681.3601 or toll-free at 888.320.5504.

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