Interest Rates
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 (2019-2020)
| 2020 | 2019 | |
| January | 3.63% | 4.751% |
| February | 3.38% | 4.641% |
| March | 2.80% | 4.581% |
| April | 2.95% | 4.360% |
| May | 4.260% | |
| June | 3.978% | |
| July | 3.908% | |
| August | 3.526% | |
| September | 3.355% | |
| October | 3.398% | |
| November | 3.679% | |
| December | 3.579% |
Historical Interest Rates
| 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | |
| January | 4.641% | 4.585% | 4.831% | 4.601% | 5.54% | 4.21% |
| February | 4.940% | 4.607% | 4.324% | 4.546% | 5.31% | 4.29% |
| March | 4.920% | 4.827% | 4.553% | 4.799% | 5.29% | 4.30% |
| April | 5.029% | 4.625% | 4.311% | 4.591% | 5.19% | 4.16% |
| May | 5.222% | 4.668% | 4.320% | 4.850% | 5.08% | 4.15% |
| June | 5.320% | 4.596% | 4.232% | 5.062% | 5.069% | 4.53% |
| July | 5.259% | 4.766% | 4.091% | 4.961% | 4.952% | 5.23% |
| August | 5.301% | 4.537% | 4.093% | 4.909% | 4.96% | 5.24% |
| September | 5.250% | 4.376% | 4.082% | 4.902% | 5.002% | 5.70% |
| October | 5.492% | 4.635% | 4.261% | 4.801% | 4.821% | 5.45% |
| November | 5.591% | 4.510% | 4.357% | 4.778% | 4.879% | 5.46% |
| December | 4.926% | 4.499% | 4.596% | 4.873% | 4.782% | 5.46% |
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