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SBA 504 Loan Interest Rates

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June 2025

25-Year Fixed Rate Standard:
6.376%

25-Year Fixed Rate Refinance:
6.405%

20-Year Fixed Rate Standard:
6.395%

20-Year Fixed Rate Refinance:
6.434%

Estimated 10-Year Fixed Rate Standard:
6.204%

Estimated 10-Year Fixed Rate Refinance:
6.252%

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 Interest Rate Report: April 2018

Apr 2018

It was a good, long run, but the effective interest rate (the all-in cost to a borrower) for 20-year Small Business Administration (SBA) 504 loans has moved into the 5% range. Still though a great fixed interest rate for small business borrowers.

The bonds that funded this month's 20-year 504 loans were sold to investors at 3.31%, resulting in a final effective interest rate of 5.02% for April for standard 504 loans (compared to 4.92% in March and 4.94% in February). The 20-year effective interest rate for debt refinance loans is 5.07% for April.

The effective interest rate for 10-year standard 504 loans (which is set bimonthly) is 5.11% for March/April. The 10-year effective interest rate for debt refinance loans is 5.17% for March/April.

504 loans are funded by the sale of bonds (aka debentures) which are pooled and sold on Wall Street each month. Understanding the 504 Loan Interest Rate

Frank Keane, fiscal and selling agent for SBA 504 program funding securities, commented following the April 5 bond sale:

“Besides pummeling stocks, the US$ weakened and investors returned to safe-haven Treasuries. That return took place after the 504 program priced its April debenture sale, an event that took place on Thursday after stocks had recovered from previous tariff headlines and the rates market was softening,” Keane said.

The SBA 504 Loan Program provides up to 90% financing at below-market, fixed interest rates and amortization terms now up to 25 years for the purchase of major fixed assets, such as owner-occupied commercial real estate and/or heavy duty machinery and equipment.

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 Florida, South Alabama or South Georgia,contact aFlorida First Capital Loan Officeror email us atinfo@ffcfc.com. Phone: 850.681.3601 or toll-free at 800.504.LOAN.

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