Current Rates
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Current Interest Rates for SBA 504 Loans as of October 2025.
25-Year Effective Rate for SBA 504 Loans
5.92%
25-Year
(STANDARD 504 PROJECT)
5.93%
(504 REFINANCE PROJECT)
5.68%
(MANUFACTURING PROJECT)
Fixed-rate includes program fees.
20-Year Effective Rate for SBA 504 Loans
5.98%
20-Year
(STANDARD 504 PROJECT)
5.99%
(504 REFINANCE PROJECT)
5.73%
(MANUFACTURING PROJECT)
Fixed-rate Includes program fees.
10-Year Effective Rate for SBA 504 Loans
5.59%
10-Year
(STANDARD 504 PROJECT)
5.59%
(504 REFINANCE PROJECT)
5.29%
(MANUFACTURING PROJECT)
Fixed-rate Includes program fees.
The rates are for SBA 504 loans authorized and funded in fiscal year 2026. “N/A” quoted means no debentures are funded yet in that category. The 10 Year Rate prices every other month.