SBA 504 Interest Rates

Effective interest rates, 25, 20 and 10 year terms

Month  25 Year Term 20 Year Term 10 Year Term*
January 2020 4.156% 4.105% 4.356%
December 4:437%
November 4.538% 4.888%
October 4.260%
September 4.175% 4.519%
August 4.329%
July 4.710% 4.894%
June 4.777%
May 5.059% 5.317%
April 5.160%
March 5.377% 5.578%
February 5.437%
January 2019 5.549% 5.613%
December 5.716%
November 6.046% 6.137%
October 5.948%
September 5.706% 5.799%
August 5.758%
July 5.715% 5.848%
June 5.776%
May 5.678% 5.847%
April 5.486%
March 5.378% 5.171%
February 5.397%
January 2018 5.100% 5.208%
December 5.024
November 5.036% 5.022%
October 5.093%
September 4.835%  4.704%
August 4.996%
July 5.223%  5.048%
June 5.055%
May 5.127% 4.833%
April 5.084%
March 5.285% 4.867%
February 5.066%
January 2017 5.043% 5.148%

* 10-year debentures are funded every other month.