504 Rate History



The SBA 504 Loan Program provides our borrowers with an attractive financing solution by dividing the loan into two parts: The First Mortgage is provided by NonBank Lender and is approximately 50% of the total amount needed; The Second Mortgage is provided by the SBA, which obtains the funds by selling fixed rate bonds to investors.


The market determines the interest rate charged to each borrower on the SBA portion of the loan at the time of the debenture or bond sale.  All servicing and origination fees required to create the SBA Bond are rolled into the final monthly payment.


20-year effective rates below include all fees and costs.



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