SBA 504 Current Rates & History: Loan & Refinancing Information

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

Loan Rates (as of April 2024)

25 Years:
as low as

6.69%

20 Years:
as low as

6.76%

10 Years:
as low as

6.59%

Historical Loan Rates

SBA 504 Historical Rates (for 20 Year)

No Data Found

2024

January February March April May June July August September October November December
10 Year
6.53%
6.53%
6.59%
6.59%
20 Year
6.42%
6.45%
6.36%
6.76%
25 Year
6.36%
6.38%
6.28%
6.69%

2023

January February March April May June July August September October November December
10 Year
6.43%
6.43%
6.77%
6.77%
6.04%
6.04%
7.06%
7.06%
7.05%
6.94%
7.21%
7.21%
20 Year
6.28%
5.98%
6.33%
5.95%
6.07%
6.38%
6.63%
6.60%
6.86%
7.18%
7.02%
6.61%
25 Year
6.31%
6.01%
6.33%
5.88%
6.02%
6.33%
6.58%
6.55%
6.81%
7.13%
7.01%
6.59%

2022

January February March April May June July August September October November December
10 Year
3.07%
3.07%
3.81%
3.81%
4.92%
4.92%
4.96%
4.96%
% 5.32
5.60%
5.6%
6.53%
20 Year
3.07%
3.45%
3.76%
4.62%
5.06%
5.13%
5.05%
4.89%
5.34%
6.36%
6.23%
6.03%
25 Year
3.21%
3.59%
3.93%
4.68%
5.12%
5.19%
5.11%
4.98%
5.44%
6.43%
6.53%
6.11%

2021

January February March April May June July August September October November December
10 Year
2.254%
2.254%
2.700%
2.700%
2.623%
2.623%
2.604%
2.604%
2.687%
2.687%
2.79%
2.79%
20 Year
2.496%
2.558%
3.002%
3.021%
2.849%
2.770%
2.699%
2.748%
2.860%
3.021%
2.77%
2.88%
25 Year
2.540%
2.602%
3.048%
3.077%
2.936%
2.887%
2.817%
2.866%
2.977%
3.157%
2.92%
3.02%

2020

January February March April May June July August September October November December
20 Year
3.629%
3.388%
2.804%
2.955%
2.683%
2.522%
2.341%
2.214%
2.366%
2.396%
2.364%
2.427%
25 Year
3.710%
3.460%
2.878%
3.029%
2.758%
2.597%
2.406%
2.269%
2.410%
2.430%
2.399%
2.471%

2019

January February March April May June July August September October November December
20 Year
4.751%
4.641%
4.581%
4.360%
4.260%
3.978%
3.908%
3.526%
3.355%
3.398%
3.679%
3.579%
25 Year
4.877%
4.767
4.737%
4.527%
4.387%
4.086%
4.006%
3.626%
3.455%
3.480%
3.740%
3.640%

2018

January February March April May June July August September October November December
20 Year
4.64%
4.94%
4.92%
5.024%
5.214%
5.314%
5.254%
5.294%
5.244%
5.153%
5.253%
4.922%
25 Year
5.316%
5.346%
5.286%
5.207%
5.317%
4.987%

2017

January February March April May June July August September October November December
20 Year
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

January February March April May June July August September October November December
20 Year
4.82%
4.31%
4.54%
4.30%
4.31%
4.22%
4.08%
4.09%
4.08%
3.99%
4.35%
4.59%

2015

January February March April May June July August September October November December
20 Year
4.59%
4.53%
4.79%
4.58%
4.84%
5.05%
4.95%
4.89%
4.89%
4.76%
4.74%
4.86%