SBA 504 loans are funded through scheduled sales of government-guaranteed debentures. Rates are established when the debentures are sold. Below are the current and historical rates published by Premier Capital for 10-, 20-, and 25-year 504 financing. Rates are percentages; actual financing terms depend on the loan and funding date.
| Month | 10-year rate (%) | 20-year rate (%) | 25-year rate (%) |
|---|---|---|---|
| October 2026 | 6.61 | 6.98 | 6.98 |
| September 2026 | 6.61 | 6.54 | 6.54 |
| August 2026 | 6.19 | 6.27 | 6.27 |
| July 2026 | 6.20 | 6.20 | 6.17 |
| June 2026 | 5.62 | 6.17 | 6.11 |
| May 2026 | 5.62 | 5.766 | 5.713 |
| April 2026 | 5.703 | 5.989 | 5.703 |
| March 2026 | 5.61 | 5.78 | 5.72 |
| February 2026 | 5.67 | 5.86 | 5.80 |
| January 2026 | 5.67 | 5.91 | 5.85 |
| December 2025 | 5.84 | 6.03 | 6.96 |
| November 2025 | 5.84 | 6.07 | 6.00 |
| October 2025 | 5.59 | 5.98 | 5.92 |
| September 2025 | 5.77 | 6.02 | 6.00 |
| August 2025 | 6.17 | 6.25 | 6.23 |
| July 2025 | 6.17 | 6.39 | 6.37 |
| June 2025 | 6.2 | 6.39 | 6.37 |
| May 2025 | 6.2 | 6.41 | 6.39 |
| April 2025 | 6.34 | 6.45 | 6.43 |
| March 2025 | 6.34 | 6.31 | 6.24 |
| February 2025 | 6.64 | 6.35 | 6.28 |
| January 2025 | 6.64 | 6.58 | 6.51 |
| December 2024 | 6.46 | 6.16 | 6.09 |
| November 2024 | 6.46 | 6.35 | 6.28 |
| October 2024 | 5.82 | 6.10 | 6.03 |
| September 2024 | 5.86 | 5.83 | 5.76 |