SBA 504 Loan Rate History
Effective rates below include fees to JEDCO, SBA and central serving agent based on debenture pricing published by NADCO.
2024 | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
25 Year SBA 504 | 6.37 | 6.39 | 6.29 | 6.70 | 6.56 | 6.35 | 6.21 | 6.05 | 5.77 | | | |
20 Year SBA 504 | 6.43 | 6.50 | 6.37 | 6.80 | 6.66 | 6.45 | 6.28 | 6.12 | 5.83 | | | |
10 Year SBA 504 | 6.54 | 6.54 | 6.60 | 6.60 | 6.91 | 6.91 | 6.49 | 6.49 | 5.88 | | | |
2023 | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
25 Year SBA 504 | 6.31 | 6.02 | 6.33 | 5.88 | 6.03 | 6.33 | 6.58 | 6.55 | 6.81 | 7.22 | 7.46 | 6.60 |
20 Year SBA 504 | 6.29 | 5.99 | 6.34 | 5.96 | 6.08 | 6.39 | 6.64 | 6.61 | 6.87 | 7.28 | 7.12 | 6.71 |
10 Year SBA 504 | 6.17 | 6.17 | 6.78 | 6.78 | 6.06 | 6.06 | 7.08 | 7.08 | 7.07 | 7.07 | 7.33 | 7.33 |
2022 | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
25 Year SBA 504 | 3.22 | 3.60 | 3.93 | 4.68 | 5.12 | 5.19 | 5.11 | 4.98 | 5.44 | 6.22 | 6.53 | 6.11 |
20 Year SBA 504 | 3.07 | 3.45 | 3.77 | 4.62 | 5.06 | 5.13 | 5.05 | 4.89 | 5.34 | 6.13 | 6.23 | 6.04 |
10 Year SBA 504 | 3.63 | 3.63 | 3.82 | 3.82 | 4.93 | 4.93 | 4.97 | 4.97 | 5.33 | 5.33 | 6.27 | 6.27 |
2021 | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
25 Year SBA 504 | 2.54 | 2.60 | 3.05 | 3.08 | 2.94 | 2.89 | 2.82 | 2.87 | 2.98 | 3.16 | 3.17 | 3.03 |
20 Year SBA 504 | 2.50 | 2.56 | 3.00 | 3.02 | 2.85 | 2.77 | 2.70 | 2.75 | 2.86 | 3.02 | 3.03 | 2.88 |
10 Year SBA 504 | 2.25 | 2.25 | 2.70 | 2.70 | 2.62 | 2.62 | 2.60 | 2.60 | 2.69 | 2.69 | 3.11 | 3.11 |
2020 | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
25 Year SBA 504 | 3.71 | 3.46 | 2.88 | 3.03 | 2.76 | 2.60 | 2.41 | 2.27 | 2.41 | 2.43 | 2.40 | 2.47 |
20 Year SBA 504 | 3.64 | 3.39 | 2.81 | 2.96 | 2.69 | 2.53 | 2.35 | 2.21 | 2.34 | 2.40 | 2.36 | 2.43 |
10 Year SBA 504 | 3.80 | 3.80 | 2.85 | 2.85 | 2.65 | 2.65 | 2.40 | 2.40 | 2.29 | 2.29 | 2.23 | 2.23 |
2019 | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
25 Year SBA 504 | 4.88 | 4.77 | 4.74 | 4.53 | 4.39 | 4.09 | 4.01 | 3.63 | 3.46 | 3.54 | 3.80 | 3.64 |
20 Year SBA 504 | 4.76 | 4.65 | 4.59 | 4.37 | 4.27 | 3.98 | 3.91 | 3.53 | 3.36 | 3.46 | 3.74 | 3.58 |
10 Year SBA 504 | 5.06 | 5.06 | 4.63 | 4.63 | 4.37 | 4.37 | 3.94 | 3.94 | 3.56 | 3.56 | 3.93 | 3.93 |