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Interest Rates & Fees

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Current Rates

SBA 504 Interest Rates

Interest rates for the Small Business Administration 504 loan program are set on a monthly basis from a bond sale. They are fixed for the life of the loan and fully amortized up to 25 years. (10-year interest rates are set every other month.)

Borrowers will not have access to their 504 interest rate until their loan has been funded, at which time B:Side Capital contacts the borrower with that information.

Current SBA 504 Interest Rates

  • 25-year fixed interest rate = 5.946%
  • 20-year fixed interest rate = 5.989%
  • 10-year fixed interest rate = 5.620%

SBA 504 Refinance with Expansion loans receive the rates above.

Standalone Refinance Rates

  • 25-year fixed interest rate = 5.949%
  • 20-year fixed interest rate = 5.992%
  • 10-year fixed interest rate = 5.615%

Manufacturing Interest Rates

  • 25-year fixed interest rate = 5.482%
  • 20-year fixed interest rate = 5.531%
  • 10-year fixed interest rate = 5.318%

Lender Training Resources

Fees

There are a variety of fees associated with the SBA 504 program, which are independent of any fees charged by the partner lender to the borrower.

A one-time origination fee of 2.65% of the SBA 504 portion of the loan, includes:

  • Funding fee: 0.25%
  • Guaranty fee: 0.50% (This fee is WAIVED for manufacturers (NAICS Sector 31-33) through Sept. 30, 2026.)
  • Processing fee: 1.5%
  • Underwriter’s fee: 0.4% (20-year rate) or .375% (10-year rate)
  •  

A one-time bank participation fee of 0.5% of the bank’s loan amount

Attorney closing costs of $2,500

Recording and title costs (typically financed as part of the loan)

SBA 504 Historical Rates

2026
2025
2024
2023
2022
Current Rates

SBA 7a Interest Rates

Interest rates for SBA 7(a) loans vary depending on the size of the loan and whether or not the lender providing the loan chooses to use variable or fixed rate pricing. Interest rates outlined below are the maximum rates a lender can charge while market rates may actually be lower than the maximum.

For loans with a maturity that exceeds 12 months, the Upfront Fees are:

  • For loans of $150,000 or less: 2% of the guaranteed portion. The Lender may retain no more than 25% of the fee (i.e., at least 1.5% must be remitted to SBA).
  • For loans of $150,001 to $700,000: 3% of the guaranteed portion
  • For loans of $700,001 to $5,000,000: 3.5% of the guaranteed portion of the loan up to and including $1,000,000, plus 3.75% of the guaranteed portion over $1,000,000

For 7(a) loans with a maturity of 12 months or less (Short-term loans):

  • 0.25% of the guaranteed portion

7(a) Lender’s Annual Service Fee

    • 0.55% of the guaranteed portion of the outstanding balance of the loan

Maximum Fixed or Variable Rates

Loan Size

  • $50,000 or less: Base Rate + 6.5%
  • $50,001 - $250,000: Base Rate + 6.0%
  • $250,001 - $350,000: Base Rate + 4.5%
  • $350,001 and greater: Base Rate + 3.0%

    • Base Rates: Prime, SBA Optional Peg Rate, year Treasury Note Rate, 10-year Treasury Note Rate, & Secured Overnight Funding Rate (SOFR)