Current Rates
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Current Interest Rates for SBA 504 Loans as of October 2026.
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SBA 504 Fee Relief Expanded for FY2027!
For Loans Approved October 1, 2026 – September 30, 2027, Qualifying businesses may receive:
0.50% Upfront Guarantee Fee WAIVED
0.203% Annual Service Fee WAIVED
Fee Waivers Apply to Eligible:
Learn More – What Qualifies as Rural?
Learn More – What Qualifies as Food Supply Chain?
25-Year Effective Rate for SBA 504 Loans
25-Year
6.98%
(STRD)
6.98%
(REFI)
6.74%
(Fee Relief)
Fixed-rate includes program fees.
20-Year Effective Rate for SBA 504 Loans
20-Year
6.98%
(STRD)
6.98%
(REFI)
6.72%
(Fee Relief)
Fixed-rate includes program fees.
10-Year Effective Rate for SBA 504 Loans
10-Year
6.61%
(STRD)
6.61%
(REFI)
6.31%
(Fee Relief)
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.