June 2026 SBA 504 Interest Rates
| SBA 504 Rates | SBA 504 Rates for Manufacturers | REFI SBA 504 Rates | |
| 25 Year Terms | 6.11% | 5.87% | 6.13% |
| 20 Year Terms | 6.16% | 5.91% | 6.18% |
| 10 Year Terms | 5.88% | 5.58% | 5.89% |
The current SBA 504 debenture pricing was completed on June 11, 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.
Join SomerCor TODAY, June 11, 2026 at 2:00 PM CT for a live webinar exploring how SBA 504 financing and down payment assistance programs can help more small businesses qualify for commercial real estate financing. Presented by Eric Bacon, SVP, Managing Director of 504 Loan Originations, this session will cover borrower eligibility, lender benefits, and strategies to preserve working capital while supporting business growth. Register to reserve your spot.
Small Business, Big Dreams: Customer service, professionalism, and trust have guided Angelica Garcilazo Agency Inc. since 2019. Namesake and owner Angelica Garcilazo opened her local State Farm insurance agency to help the people in her community feel educated and secure about their finances. Now it’s her turn: The Angelica Garcilazo Insurance Agency is SomerCor’s first Down Payment Assistance recipient!
