SBA 504 loan funds come from the sale of government-guaranteed bonds.
Bond sales occur once a month, and rates are fixed at the time of the sale for the duration of the loan. See current and historical effective rates listed below:
Current Interest Rates
| 2018 | |
|---|---|
| January | 4.641% |
| February | 4.940% |
| March | 4.920% |
| April | 5.029% |
| May | 5.222% |
| June | 5.320% |
| July | 5.259% |
| August | 5.301% |
| September | 5.250% |
| October | 5.492% |
| November | 5.591% |
| December | 4.926% |
Historical Interest Rates
| 2017 | 2016 | 2015 | 2014 | 2013 | |
|---|---|---|---|---|---|
| January | 4.585% | 4.831% | 4.601% | 5.54% | 4.21% |
| February | 4.607% | 4.324% | 4.546% | 5.31% | 4.29% |
| March | 4.827% | 4.553% | 4.799% | 5.29% | 4.30% |
| April | 4.625% | 4.311% | 4.591% | 5.19% | 4.16% |
| May | 4.668% | 4.320% | 4.850% | 5.08% | 4.15% |
| June | 4.596% | 4.232% | 5.062% | 5.069% | 4.53% |
| July | 4.766% | 4.091% | 4.961% | 4.952% | 5.23% |
| August | 4.537% | 4.093% | 4.909% | 4.96% | 5.24% |
| September | 4.376% | 4.082% | 4.902% | 5.002% | 5.70% |
| October | 4.635% | 4.261% | 4.801% | 4.821% | 5.45% |
| November | 4.510% | 4.357% | 4.778% | 4.879% | 5.46% |
| December | 4.499% | 4.596% | 4.873% | 4.782% | 5.46% |