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Super Summer: 20-Year Fixed Rate Dips to Historic Low for Small Business Borrowers

When the SBA 504 loan dipped to a 3.98% fixed interest rate in June, it reached a new historic low. And July is looking even better for small business borrowers, with the newly released 20-year rate at 3.91%.

“Right now we’re supporting the first round of small business borrowers to benefit from fixed interest rates below 4% in the 504 program’s history,” says Sherwood Robbins, managing director of Seedcopa + SeedcoDE. “It’s an exciting time for business owners who can finally take the plunge and buy new real estate, upgrade existing facilities or purchase equipment and machinery.”

Before June and July 2019, the previous record low for the SBA 504 loan’s 20-year effective rate was last set in December 2012, when it reached 4.01%.

Key Features of the SBA 504 Loan Program

-Used for owner-occupied commercial land, property, construction or equipment with total project costs from approximately $200,000 to approximately $15,000,000.

-Facilitated by SBA-certified development companies like Seedcopa + SeedcoDE.

-Typically, small business borrowers make a 10% equity injection, a bank or credit union finances another portion of the project cost, and a CDC, through the SBA,  finances another portion of the project cost guaranteed by the federal government.

-10, 20 and 25-year fixed rate options

For more information on how to attain an SBA 504 loan, e-mail or call 610-321-8241.

To be among the first to receive new loan rates monthly, sign up for our #RateTracker e-blast by emailing

Also visit our SBA 504 Guide at

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