Historical Rates by Year

The SBA 504 Loan Program offers a fixed rate based upon the sale of debenture bonds. This occurs once a month for 20-year loans and every other month for 10-year loans.

The interest rates on SBA’s 504 loans are set by the market and are fixed to the current market rate at the time the SBA sells the bond to fund the loan. Servicing fees based on the principal are rolled into the monthly payment.

The interest rate established by the lender’s portion is negotiated directly with the business owner.

2017 20 Year Interest Rates

January4.850 %
February4.607 %
March4.827 %
April4.891 %
May4.668 %
June4.596 %
July4.766 %
August4.537%

2017 10 Year Interest Rates

January4.916 %
March4.817 %
May4.514 %
July4.497 %

2016 20 Year Interest Rates

January4.800 %
February4.320 %
March4.533 %
April4.310 %
May4.320 %
June4.230 %
July4.090 %
August4.090 %
September4.082 %
October4.260 %
November4.357 %
December 4.596 %

2016 10 Year Interest Rates

January4.300 %
March4.553 %
May4.190 %
July4.150 %
September4.290 %
November4.669 %

2015 20 Year Interest Rates

January4.600 %
February4.550 %
March4.790 %
April4.590 %
May4.850 %
June5.060 %
July4.960 %
August4.910 %
September4.900 %
October4.800 %
November4.780 %
December4.870 %

2015 10 Year Interest Rates

January4.410 %
March4.400 %
May4.370 %
July4.330 %
September4.240 %
November4.180 %

2014 20 Year Interest Rates

January5.540 %
February5.300 %
March5.280 %
April5.190 %
May5.080 %
June5.060 %
July4.950 %
August4.960 %
September5.000 %
October4.820 %
November4.870 %
December4.780 %

2014 10 Year Interest Rates

January4.670 %
March4.480 %
May4.500 %
July4.510 %
September4.690 %
November4.550 %

2013 20 Year Interest Rates

January4.210 %
February4.290 %
March4.300 %
April4.162 %
May4.151 %
June4.529 %
July5.230 %
August5.240 %
September5.690 %
October5.450 %
November5.450 %
December5.458 %

2013 10 Year Interest Rates

March3.712 %
May3.613 %
July4.420 %
September4.850 %
November4.400 %

2012 20 Year Interest Rates

January4.839 %
February4.711 %
March4.591 %
April4.749 %
May4.462 %
June4.500 %
July4.459 %
August4.451 %
September4.279 %
October4.262 %
November4.171 %
December4.009 %

2012 10 Year Interest Rates

March3.826 %
May3.757 %
July3.700 %
September3.487 %
November3.520 %