SBA 504 Loan
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 for 20 year debentures listed below:
Current Interest Rates (2019-2024)
2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
January | 6.36% | 6.28% | 3.07% | 2.65% | 3.63% | 4.751% |
February | 6.49% | 5.98% | 3.45% | 2.75% | 3.38% | 4.641% |
March | 6.36% | 6.33% | 3.77% | 2.99% | 2.80% | 4.581% |
April | 5.95% | 4.62% | 3.02% | 2.95% | 4.360% | |
May | 6.07% | 5.06% | 2.84% | 2.68% | 4.260% | |
June | 6.38% | 5.13% | 2.76% | 2.52% | 3.978% | |
July | 6.63% | 5.05% | 2.69% | 2.34% | 3.908% | |
August | 6.60% | 4.89% | 2.74% | 2.21% | 3.526% | |
September | 6.86% | 5.34% | 2.86% | 2.36% | 3.355% | |
October | 7.18% | 6.36% | 2.77% | 2.39% | 3.398% | |
November | 7.02% | 6.45% | 2.77% | 2.52% | 3.679% | |
December | 6.59% | 6.03% | 2.88% | 2.58% | 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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