SBA Loan Rates 2025

Current SBA loan interest rates and terms for small business financing. Compare rates across all SBA programs and calculate your estimated payments.

Current Rate Environment

SBA loan rates typically range from 9.5% to 10.5% as of 2025. Actual rates may vary based on creditworthiness, loan amount, term, and lender requirements. Use our calculators below for personalized estimates.

SBA 7(a) Loans

Interest Rate:9.5% - 10.5%
Max Amount:$5,000,000
Terms:Up to 25 years

Best For:

Working capital, equipment, real estate, business acquisition

Key Benefits:

  • •Most popular SBA program
  • •Flexible use of funds
  • •Lower down payments
  • •Longer repayment terms
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SBA 504 Loans

Interest Rate:Fixed rates below market
Max Amount:$5,500,000
Terms:10-20 years

Best For:

Real estate and equipment purchases

Key Benefits:

  • •Fixed-rate SBA portion
  • •Up to 90% financing
  • •Below-market rates
  • •Long-term stability
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SBA Express Loans

Interest Rate:9.5% - 10.5%
Max Amount:$500,000
Terms:Up to 25 years

Best For:

Fast working capital and equipment financing

Key Benefits:

  • •Expedited processing
  • •Lower guarantee fee
  • •Streamlined application
  • •Quick funding
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Factors That Affect Your SBA Loan Rate

Rate Determinants

  • •Credit Score: Higher scores qualify for better rates
  • •Loan Amount: Larger loans may have different rate structures
  • •Loan Term: Longer terms may carry higher rates
  • •Collateral: Secured loans often have lower rates

Ways to Improve Your Rate

  • •Improve personal and business credit scores
  • •Provide strong financial statements
  • •Offer additional collateral when possible
  • •Shop around with multiple SBA lenders

Get Your Personalized Rate Quote

Connect with qualified SBA lenders who can provide actual rate quotes based on your specific situation.

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Important Government Disclaimer

SBA Calculators is NOT affiliated with, endorsed by, or connected to the U.S. Small Business Administration (SBA), any federal agency, or any government entity.

This website is privately operated and provides educational financial calculators for planning purposes only. All calculations are estimates and actual loan terms may vary significantly.

Use of our calculators creates no obligation. We may connect you with qualified private lenders, but we do not guarantee loan approval, specific terms, or rates.

This website does not constitute financial, legal, or professional advice. Always consult qualified professionals regarding your specific situation.