SBA 504 rates are established when government-guaranteed debentures are sold. Premier Capital published the following rates for November 2026. Actual financing terms and eligibility depend on the project, the loan, and its funding date.
November 2026 fixed rates
| Loan term | Manufacturing / Rural | Other projects |
|---|---|---|
| 10 years | 6.29% | 6.59% |
| 20 years | 6.33% | 6.58% |
| 25 years | 6.34% | 6.58% |
Manufacturing / Rural rates and related SBA fee waivers are available only for qualifying projects. Contact Premier Capital to confirm eligibility.
Historical published rates
The November 2026 row in the historical table reflects the Other projects category. Earlier rows preserve Premier Capital's previously published single rate series.
| Month | 10-year rate (%) | 20-year rate (%) | 25-year rate (%) |
|---|---|---|---|
| November 2026 (Other) | 6.59 | 6.58 | 6.58 |
| 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 |