Rates
SBA 504 20-Year Purchase/Construction
March 2026 Effective Rate for Term of Loan: 5.78%
| 2026 | Rate |
|---|---|
| December | |
| November | |
| October | |
| September | |
| August | |
| July | |
| June | |
| May | |
| April | |
| March | 5.78% |
| February | 5.86% |
| January | 5.91% |
| 2025 | Rate |
|---|---|
| December | 5.88% |
| November | 5.92% |
| October | 5.98% |
| September | 6.02% |
| August | 6.25% |
| July | 6.39% |
| June | 6.39% |
| May | 6.41% |
| April | 6.45% |
| March | 6.31% |
| February | 6.35% |
| January | 6.58% |
| 2024 | Rate |
|---|---|
| December | 6.16% |
| November | 6.35% |
| October | 6.10% |
| September | 5.83% |
| August | 6.11% |
| July | 6.27% |
| June | 6.44% |
| May | 6.65% |
| April | 6.76% |
| March | 6.36% |
| February | 6.49% |
| January | 6.42% |
| 2023 | Rate |
|---|---|
| December | 6.61% |
| November | 7.01% |
| October | 7.18% |
| September | 6.86% |
| August | 6.60% |
| July | 6.63% |
| June | 6.29% |
| May | 6.07% |
| April | 5.95% |
| March | 6.33% |
| February | 5.98% |
| January | 6.29% |
| 2022 | Rate |
|---|---|
| December | 6.03% |
| November | 6.45% |
| October | 6.46% |
| September | 5.34% |
| August | 4.89% |
| July | 5.05% |
| June | 5.13% |
| May | 5.06% |
| April | 4.70% |
| March | 3.76% |
| February | 3.45% |
| January | 3.07% |
| 2021 | Rate |
|---|---|
| December | 2.87% |
| November | 2.77% |
| October | 2.76% |
| September | 2.86% |
| August | 2.74% |
| July | 2.69% |
| June | 2.76% |
| May | 2.84% |
| April | 3.02% |
| March | 3.00% |
| February | 2.71% |
| January | 2.65% |
| 2020 | Rate |
|---|---|
| December | 2.58% |
| November | 2.52% |
| October | 2.52% |
| September | 2.36% |
| August | 2.21% |
| July | 2.34% |
| June | 2.52% |
| May | 2.68% |
| April | 2.95% |
| March | 2.80% |
| February | 3.39% |
| January | 3.64% |
| 2019 | Rate |
|---|---|
| December | 3.58% |
| November | 3.68% |
| October | 3.40% |
| September | 3.46% |
| August | 3.53% |
| July | 3.91% |
| June | 3.98% |
| May | 4.26% |
| April | 4.36% |
| March | 4.58% |
| February | 4.64% |
| January | 4.75% |
| 2018 | Rate |
|---|---|
| December | 4.92% |
| November | 5.25% |
| October | 5.15% |
| September | 5.24% |
| August | 5.29% |
| July | 5.25% |
| June | 5.31% |
| May | 5.21% |
| April | 5.02% |
| March | 4.91% |
| February | 4.93% |
| January | 4.63% |
| 2017 | Rate |
|---|---|
| December | 4.49% |
| November | 4.50% |
| October | 4.56% |
| September | 4.37% |
| August | 4.53% |
| July | 4.76% |
| June | 4.59% |
| May | 4.66% |
| April | 4.62% |
| March | 4.82% |
| February | 4.60% |
| January | 4.58% |
| 2016 | Rate |
|---|---|
| December | 4.59% |
| November | 4.35% |
| October | 3.99% |
| September | 4.07% |
| August | 4.08% |
| July | 4.08% |
| June | 4.22% |
| May | 4.31% |
| April | 4.30% |
| March | 4.54% |
| February | 4.31% |
| January | 4.82% |
| 2015 | Rate |
|---|---|
| December | 4.86% |
| November | 4.74% |
| October | 4.76% |
| September | 4.89% |
| August | 4.89% |
| July | 4.95% |
| June | 5.05% |
| May | 4.84% |
| April | 4.58% |
| March | 4.79% |
| February | 4.53% |
| January | 4.59% |
| 2014 | Rate |
|---|---|
| December | 4.77% |
| November | 4.87% |
| October | 4.81% |
| September | 5.00% |
| August | 4.95% |
| July | 4.94% |
| June | 5.06% |
| May | 5.07% |
| April | 5.18% |
| March | 5.28% |
| February | 5.30% |
| January | 5.53% |
| 2013 | Rate |
|---|---|
| December | 5.45% |
| November | 5.45% |
| October | 5.44% |
| September | 5.69% |
| August | 5.23% |
| July | 5.22% |
| June | 4.52% |
| May | 4.14% |
| April | 4.15% |
| March | 4.29% |
| February | 4.28% |
| January | 4.20% |
| 2012 | Rate |
|---|---|
| December | 4.00% |
| November | 4.16% |
| October | 4.25% |
| September | 4.27% |
| August | 4.44% |
| July | 4.45% |
| June | 4.49% |
| May | 4.45% |
| April | 4.74% |
| March | 4.58% |
| February | 4.70% |
| January | 4.83% |
| 2011 | Rate |
|---|---|
| December | 4.94% |
| November | 4.94% |
| October | 4.83% |
| September | 4.69% |
| August | 5.13% |
| July | 5.58% |
| June | 5.51% |
| May | 5.63% |
| April | 5.89% |
| March | 5.93% |
| February | 6.07% |
| January | 5.74% |
| 2010 | Rate |
|---|---|
| December | 5.56% |
| November | 5.09% |
| October | 4.95% |
| September | 4.62% |
| August | 4.93% |
| July | 5.21% |
| June | 5.29% |
| May | 5.52% |
| April | 5.77% |
| March | 5.60% |
| February | 5.55% |
| January | 5.79% |
| 2009 | Rate |
|---|---|
| December | 5.46% |
| November | 5.50% |
| October | 4.86% |
| September | 5.14% |
| August | 5.39% |
| July | 5.24% |
| June | 5.89% |
| May | 5.37% |
| April | 5.25% |
| March | 5.60% |
| February | 5.17% |
| January | 6.67% |
| 2008 | Rate |
|---|---|
| December | 7.17% |
| November | 7.74% |
| October | 6.60% |
| September | 6.57% |
| August | 6.99% |
| July | 6.84% |
| June | 6.65% |
| May | 6.46% |
| April | 6.34% |
| March | 6.46% |
| February | 6.13% |
| January | 6.14% |
| 2007 | Rate |
|---|---|
| December | 6.26% |
| November | 6.48% |
| October | 6.54% |
| September | 6.53% |
| August | 6.75% |
| July | 6.79% |
| June | 6.68% |
| May | 6.28% |
| April | 6.29% |
| March | 6.20% |
| February | 6.46% |
| January | 6.29% |
| 2006 | Rate |
|---|---|
| December | 6.09% |
| November | 6.34% |
| October | 6.55% |
| September | 6.72% |
| August | 6.88% |
| July | 7.25% |
| June | 7.00% |
| May | 7.05% |
| April | 6.82% |
| March | 6.75% |
| February | 6.53% |
| January | 6.39% |
| 2005 | Rate |
|---|---|
| December | 6.57% |
| November | 6.65% |
| October | 6.38% |
| September | 6.05% |
| August | 6.40% |
| July | 6.04% |
| June | 5.86% |
| May | 6.24% |
| April | 6.40% |
| March | 6.25% |
| February | 6.92% |
| January | 6.15% |
| 2004 | Rate |
|---|---|
| December | 6.29% |
| November | 6.30% |
| October | 6.28% |
| September | 6.41% |
| August | 6.59% |
| July | 6.61% |
