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 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%

Helping Small Businesses Grow
Since 1981

Follow Us Online