September 2026
25-Year Commercial Real Estate Rate: 6.30%
20-Year Commercial Real Estate: 6.29%
10-Year Commercial Real Estate Rate: 6.30%
SBA 504 LOAN PROGRAM (COMMERCIAL REAL ESTATE & CAPITAL EQUIPMENT)
ELIGIBLE USE OF FUNDS:
Major Fixed Assets and Refinance
MAXIMUM LOAN AMOUNT:
$5,500,000 (SBA Portion-40%)
No project size limit
INTEREST RATES:
See above for SBA’s Portion Below-Market Fixed Rate
Negotiated Rate on Bank Portion
FEES:
SBAC loan fees generally range from 1% to 2%
LOAN TERMS:
Up to 25 years (SBA portion)
*All rates and terms subject to change without notice.
SBAC is a nonprofit economic development lender. Loan repayments and earned revenue are reinvested to support future lending and technical assistance, helping SBAC expand access to capital and strengthen small businesses and communities.
Let us know how we can help with your small business loan or business education needs.