Today's SBA Loan Rates Overview
Current SBA 504 Loan Rates
25-Year Fixed Rate:4.75%
20-Year Fixed Rate:4.65%
10-Year Fixed Rate:4.55%
Current SBA 7(a) Loan Rates
Variable Rate:9.00%
Fixed Rate:8.75%
Understanding Current SBA Loan Rates
Current SBA loan rates vary based on several key factors. The SBA 504 program offers fixed rates starting at 4.75%, while SBA 7(a) loan rates typically follow the prime rate plus a spread.
Today's SBA loan rates reflect market conditions and program requirements. For 504 loans, rates remain fixed throughout the term, providing stable monthly payments. The 7(a) program's current rates may adjust with market changes.
Regional factors can affect your SBA loan rates. Green energy projects and certain manufacturing facilities often qualify for lower current SBA loan rates and special terms.
State Rate Benefits
- • California: Green building projects receive reduced rates
- • Texas: Energy project rate benefits available
- • Florida: Special rates for tourism developments
- • New York: Urban development zone rate reductions
Calculate Your SBA Loan Rate
Use our calculators to estimate payments with current SBA loan rates