July 2025 SBA 504 Interest Rates

07/10/2025|Kimberly Brisky|SBA 504, SBA Interest Rates

25 Year Term 6.37%

20 Year Term 6.39%

10 Year Term 6.17%

The July 2025 SBA 504 debenture pricing occurred on July 10, 2025. 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 CDC, SBA, and central servicing agent; based on SBA FY25 fees. SBA 504 refi rates are approximately 3 basis points higher than debenture pricing noted above.

SBA 504 Reference Guide

SBA 504 REFI Reference Guide

Based in Mount Pulaski, IL, Front Line Ag is the only seed dealer in the area that provides comprehensive agricultural services and advanced technology to help growers maximize yields. To support their growth and best serve their customer base, owners Chase Aylesworth and Alec Murphy worked with SomerCor loan officer, Darin Gehrke, to secure an SBA 504 loan to finance the purchase of land and ground-up construction of a 7,920 square foot building for seed storage, as well as heavy equipment.

“Partnering with SomerCor made it possible for us to build our new location sooner than we imagined and exactly to our specifications,” said Murphy. “It allowed us to move our business to a main road, making it more convenient to serve our customers. With that it allowed our business to have significant growth over the last few years. SomerCor was great to work with throughout the entire process, and we are proud to have them as a partner.”

Click here to read the full story and learn more about how the SBA 504 loan program can support the capital needs of agricultural businesses.

SomerCor Charity Golf Outing – SOLD OUT

The SomerCor 1st Annual Charitable Golf Outing is SOLD OUT!

The outing will mark the launch of SomerCor’s participation in the National Association of Development Company’s (NADCO) VetLoan Advantage Program, a national initiative designed to support military veterans in starting or growing their businesses. Proceeds from the golf outing will be earmarked to support veteran entrepreneurs – helping to fund critical business expenses such as business advisory services, loan fee waivers, and down payment assistance on SBA 504 and Community Advantage Loans.

A special thank you to our sponsors Premier Title, Old National Bank , Wintrust, Brown CPA Group, Ltd., Fifth Third Bank, Signature Bank, Bespoke Commercial Real Estate, InBalance, Alera Group, First Eagle Bank, Merchants Bank, Mack, Tragos & Hoffman LTD, Pichón, and Cornerstone National Bank.

Thank you for your support and we look forward to seeing you on the course!