Current SBA 504 Loan Rates
Fixed Rates: Locked in savings, no surprises
As of October 2026
Loan Rates
6.97%
25 year
6.97%
20 year
6.60%
10 year
Refinance Rates
6.98%
25 year
6.97%
20 year
6.60%
10 year
Manufacturers Rate
6.74%
25 year
SBA 504 ā 20 Year Rate
6.97%
As of October 2026
20-Year Rate History — Since 2008
SBA 504 Rates: A 20-Year Perspective
SBA 504 loan rates are tied to the 10-year U.S. Treasury bond and reset monthly. Understanding how rates have moved over time can help you make a more informed decision about when to lock in financing for your commercial real estate or equipment purchase.