SBA 504 Effective Rates
25-Year Fixed:
6.27% APR
20-Year Fixed:
6.27% APR
10-Year Fixed:
6.19% APR
Last updated: August 2026. Rates are updated monthly. Rates are set by the SBA 504 program and may change before funding. The effective rate includes note rate, servicing, and program fees.
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Estimate 504 Payments
A simple calculator previews monthly payment ranges. Rates and fees are confirmed at application.
Open CalculatorThe 504 Capital Proven Process
The path to funding should be clear. One point of contact, close lender coordination, and simple steps that work for purchases, construction, or refinance.
1.
Pre-Qual and
Structure:
The path to funding should be clear. One point of contact, close lender coordination, and simple steps that work for purchases, construction, or refinance.
2.
Package and
Approve:
Complete the application while the credit team underwrites and prepares for committee.
3.
SBA Decision:
Submission to SBA and required approvals secured.
4.
Close, Fund, and
Service:
After closing, the SBA 504 portion funds and the fixed rate is set. 504 Capital services the loan for the full term.
Eligibility and How a 504 Loan Is Used
SBA 504 financing supports fixed assets for owner-occupied real estate and heavy machinery/equipment. For-profit U.S. businesses that meet SBA size standards commonly use proceeds to:
- Buy or build an owner-occupied facility
- Renovate or expand an existing location
- Purchase production equipment with long useful life
- Refinance eligible debt tied to real estate or equipment
SBA 504 Refinance at a Glance
Replace eligible debt with long-term, fixed-rate SBA 504 financing to stabilize monthly cash flow.
Who Qualifies
For-profit small business that meets SBA size standards; current on the existing loan for the past 12 months; debt is at least 6 months old, with at least 75% originally used for fixed assets.
Two Ways to Use It
With expansion: Refinance and fund a new build/improvement or equipment purchase (up to 100% of expansion costs).
Without expansion: Fixed 10-, 20-, or 25-year terms · Up to 90% loan-to-value · Lower monthly payments and steadier cash flow
Benefits
The path to funding should be clear. One point of contact, close lender coordination, and simple steps that work for purchases, construction, or refinance.
By the Numbers
A quick view of scale and reach.
10,000+
Jobs created or retained
1,000+
Small businesses financed
$1.3
Billion in total project costs
Success Stories
See how SBA 504 loans supported medical, manufacturing, and professional service projects across Virginia, Maryland, D.C., and North Carolina
Who We Serve
SBA 504 loans create a partnership between a bank or non-bank lender and a business to finance owner-occupied commercial real estate, equipment purchases, or refinancing opportunities. 504 Capital supports both from first call through servicing.
Lending partners:
Banks and non-bank SBA 504 lenders receive clean packaging, fast underwriting, SBA submission, and closing coordination
Business owners:
Straightforward checklists, clear timelines, and support from application to servicing
Why Work With 504 Capital
A focused SBA 504 lender partner that handles packaging, credit, SBA submission, closing, and servicing in one place—so projects move and stay on track.
Daily 504 expertise with a process built for speed and accuracy
Close coordination with SBA 504 lenders from first call through funding
Practical guidance for first-time and repeat borrowers
Regional coverage with a servicing team that stays involved for the life of the loan
Areas We Serve
SBA 504 loans delivered across Virginia, Maryland, D.C., and North Carolina. Our regional map highlights coverage and local contacts for each area.
- Virginia
- Maryland
- D.C
- North Carolina
Featured Blogs and News
SBA 504 Loan Prequalification Guide: Check Your Eligibility in Minutes
Are you a small business owner who wants to buy commercial real estate or finance major equipment bu...
Read ArticleSBA 504 Loan Prequalification Guide: Check Your Eligibility in Minutes
Mid-Year Expansion Guide: Using SBA 504 Loans to Scale in 2026
Read ArticleMid-Year Expansion Guide: Using SBA 504 Loans to Scale in 2026
