Rates and Calculator

Interest Rate

Below market fixed rate. The rate on the SBA 504 portion is set when the SBA sells the debenture to fund the loan. Debenture sales occur monthly for 25-year loans, 20-year loans and bi-monthly for 10-year loans. The rate is then fixed for the term of the loan. SBA 504 Debentures are government guaranteed securities. The effective rate (APR) will include program fees and a loan loss subsidy.


Current Rates

25 Year 20 Year 10 Year
6.55 6.65 6.89

Refinance projects add ~0.017 to the rate chosen

Curious about the costs of an SBA 504 Loan?

Of course you are. Use this handy calculator for a breakdown of all the estimated costs associated with your loan.

Please provide a valid Project Amount.

Borrower Qualifications & Injections

Please provide a valid Injection Amount.

Bank Terms & Rates

Please provide a valid Bank Loan Amount.

Debenture Terms & Rates

Please provide a valid CDC Loan Amount.

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This form provides purely ESTIMATED costs. Final rates will not be locked in until the financing is secured. This is not a commitment to lend.

CDC 504 Debenture Loan
SBA 504 (net) $0 40%
Bank $0 50%
Down Payment $0 10%
Total Project $0 100%
Bank Debenture Total
Loan Amount
Interest Rate
CDC Process Fee
CDC Closing Fee
SBA Guarantee Fee
Funding Fee
Underwriter Fee
Total Fees
Total Loan Amount
Monthly Payment

There is also an SBA lender fee of 0.5% of the lender's loan. This fee may be passed on to the borrower and MAY be included in the project costs.

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