August 2026 SBA 504 Interest Rates

08/06/2026|Maya Ksiezyc|SBA 504, SBA Interest Rates

	SBA 504 Rates	SBA 504 Rates for Manufacturers	REFI SBA 504 Rates
25 Year Terms	6.27%	6.03%	6.29%
20 Year Terms	6.27%	6.02%	6.29%
10 Year Terms	6.19%	5.89%	6.21%

The current SBA 504 debenture pricing was completed on August 6, 2026. The SBA offers a 504 Loan with a 25-year maturity for the acquisition of owner-occupied commercial real estate and related costs. This is in addition to the 10 and 20 year loans currently available in the 504 Loan Program. Loans are typically eligible for up to 90% financing of project costs. Rates include monthly servicing fees to the CDC, SBA, and central servicing agent; based on SBA FY26 fees. The SBA also reinstituted an upfront guaranty fee of 50 basis points for non-manufacturing projects. Rates for manufacturing businesses (primary NAICS Code in sectors 31, 32, and 33) are approximately 25 basis points lower than non-manufacturing projects due to the waiver of the annual service fee.

SBA 504 Reference Guide

SBA 504 REFI Reference Guide

Every day the SomerCor team sees firsthand how building ownership changes the trajectory of a business. The SBA 504 loan program is the pathway – making it possible for business owners to purchase, build, and refinance owner-occupied commercial real estate.

Help your small business clients build equity and preserve capital with the SBA 504 Program’s long-term, fixed-rate financing and low down payment.

The weather may have had other plans, but nothing can dampen the team’s enthusiasm for helping small businesses with an SBA 504 loan and our appreciation for the sponsors of the SomerCor Charity Golf Outing benefiting the VetLoan Advantage Program! ⛳

A special thank you to Premier Title , Old National Bank, Wintrust, Liston & Tsantilis, Bank of America, Chase, First Eagle Bank, Alera Group, Bespoke Commercial Real Estate, InBalance, Akrete, Byline Bank, IFF, Lakeside Bank, and the Law Office of William Smith LLC for their support!