Current Rates
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Current Interest Rates for SBA 504 Loans as of January 2026.
25-Year Effective Rate for SBA 504 Loans
5.85%
25-Year
(STANDARD 504 PROJECT)
5.85%
(504 REFINANCE PROJECT)
5.61%
(MANUFACTURING PROJECT)
Fixed-rate includes program fees.
20-Year Effective Rate for SBA 504 Loans
5.91%
20-Year
(STANDARD 504 PROJECT)
5.91%
(504 REFINANCE PROJECT)
5.66%
(MANUFACTURING PROJECT)
Fixed-rate Includes program fees.
10-Year Effective Rate for SBA 504 Loans
5.67%
10-Year
(STANDARD 504 PROJECT)
5.67%
(504 REFINANCE PROJECT)
5.37%
(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.