Current Borrowers

SBA 504 Rate History

Effective rates below include fees to CDC, SBA and central serving agent based on debenture pricing published by NADCO.

2024

2024 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
25 Year SBA 504 6.361 6.381 6.281 6.690 6.550 6.351 6.201 6.041 5.762 6.033 6.283 6.093
20 Year SBA 504 6.420 6.490 6.360 6.760 6.650 6.440 6.270 6.110 5.829 6.100 6.350 6.160
10 Year SBA 504 6.526 6.526 6.587 6.587 6.892 6.892 6.476 6.476 5.865 5.865 6.459 6.459
25 Year Refi SBA 504 6.390 6.410 6.310 6.719 6.579 6.382 6.230 6.070 5.791 6.062 6.312 6.122
20 Year Refi SBA 504 6.450 6.520 6.390 6.790 6.680 6.470 6.300 6.140 5.859 6.130 6.380 6.190

2023

2023 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
25 Year SBA 504 6.310 6.010 6.329 5.880 6.020 6.329 6.579 6.549 6.808 7.129 7.019 6.590
20 Year SBA 504 6.282 5.982 6.332 5.952 6.072 6.381 6.632 6.602 6.862 7.180 7.020 6.610
10 Year SBA 504 6.433 6.433 6.768 6.768 6.036 6.036 7.063 7.063 7.052 7.052 7.207 7.207
25 Year Refi SBA 504 6.327 6.028 6.347 5.898 6.038 6.347 6.597 6.567 6.826 7.158 7.048 6.619
20 Year Refi SBA 504 6.300 6.000 6.350 5.970 6.090 6.400 6.650 6.620 6.880 7.210 7.050 6.640

2022

2022 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
25 Year SBA 504 3.213 3.594 3.925 4.676 5.117 5.187 5.107 4.977 5.437 6.439 6.529 6.110
20 Year SBA 504 3.067 3.449 3.761 4.615 5.057 5.127 5.047 4.886 5.338 6.362 6.452 6.032
10 Year SBA 504 3.070 3.070 3.807 3.807 4.922 4.922 4.962 4.962 5.320 5.598 6.534 6.534
25 Year Refi SBA 504 3.227 3.608 3.939 4.690 5.130 5.20 5.120 4.990 5.450 6.457 6.547 6.128
20 Year Refi SBA 504 3.081 3.463 3.775 4.629 5.071 5.141 5.061 4.900 5.352 6.380 6.470 6.050

2021

2021 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
25 Year SBA 504 2.692 2.752 3.043 3.073 2.933 2.883 2.813 2.863 2.973 2.912 2.922 3.023
20 Year SBA 504 2.653 2.714 2.995 3.016 2.845 2.764 2.694 2.744 2.855 2.765 2.775 2.875
10 Year SBA 504 2.438 2.438 2.684 2.684 2.612 2.612 2.591 2.591 2.673 2.372 2.793 2.793
25 Year Refi SBA 504 2.733 2.794 3.084 3.114 2.974 2.924 2.854 2.904 3.014 2.926 2.936 3.036
20 Year Refi SBA 504 2.696 2.757 3.038 3.058 2.887 2.807 2.737 2.787 2.898 2.779 2.789 2.889

2020

2020 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
25 Year SBA 504 3.710 3.460 2.878 3.029 2.758 2.597 2.406 2.66 2.406 2.582 2.552 2.622
20 Year SBA 504 3.639 3.388 2.804 2.955 2.683 2.522 2.341 2.210 2.361 2.553 2.523 2.583

2019

2019 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
25 Year SBA 504 4.877 4.767 4.737 4.527 4.387 4.086 4.006 3.626 3.455 3.480 3.740 3.640
20 Year SBA 504 4.751 4.641 4.581 4.360 4.260 3.978 3.908 3.526 3.355 3.398 3.679 3.579

2018

2018 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
25 Year SBA 504 5.316 5.346 5.286 5.207 5.317 4.987
20 Year SBA 504 4.64 4.94 4.92 5.024 5.214 5.314 5.254 5.294 5.244 5.153 5.253 4.922

2017

2017 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
20 Year SBA 504 4.58 4.60 4.83 4.62 4.66 4.59 4.76 4.53 4.37 4.57 4.51 4.50

2016

2016 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
20 Year SBA 504 4.82 4.31 4.54 4.30 4.31 4.22 4.08 4.08 4.09 3.99 4.35 4.59

2015

2015 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
20 Year SBA 504 4.59 4.53 4.79 4.58 4.84 5.05 4.95 4.89 4.89 4.76 4.74 4.86

2014

2014 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
20 Year SBA 504 5.53 5.30 5.28 5.18 5.07 5.06 4.94 4.95 4.99 4.81 4.87 4.77

2013

2013 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
20 Year SBA 504 4.20 4.28 4.29 4.15 4.14 4.52 5.22 5.23 5.69 5.44 5.45 5.45

2012

2012 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
20 Year SBA 504 4.83 4.70 4.79 4.74 4.45 4.49 4.45 4.44 4.27 4.25 4.16 4.00

2011

2011 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
20 Year SBA 504 5.73 6.06 5.93 5.89 5.63 5.51 5.58 5.13 4.69 4.83 4.94 4.94

2010

2010 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
20 Year SBA 504 5.79 5.55 5.6 5.77 5.52 5.29 5.21 4.93 4.62 4.95 5.09 5.56

2009

2009 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
20 Year SBA 504 6.66 5.70 5.6 5.25 5.37 5.89 5.24 5.39 5.14 5.33 5.5 5.46

2008

2008 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
20 Year SBA 504 6.14 6.13 6.46 6.34 6.46 6.65 6.84 6.99 6.57 6.57 7.72 7.17

2007

2007 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
20 Year SBA 504 6.29 6.26 6.2 6.29 6.28 6.28 6.79 6.75 6.53 6.54 6.48 6.26
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