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Standard SBA 7(a) pricing is often Prime plus 1% to 3%, while smaller loans may price higher and 504 uses blended rates.

SBA rates today depend on Prime, lender spread, loan size, and program, with many standard 7(a) loans at Prime plus 1% to 3%.

Many standard SBA 7(a) loans price around Prime plus 1% to 3%, while smaller loans may carry higher allowed spreads.

SBA 504 pricing is best viewed as a blended effective rate combining the bank first mortgage and the CDC/SBA second.

Fixed SBA loan rates offer payment stability, while variable rates may start lower but can change with market conditions.

Rates: Review how SBA 7(a) and 504 pricing may work.
Terms: Understand repayment periods based on the use of funds.
Requirements: Learn about eligibility, credit, collateral, and guarantees.
Down Payment: Review borrower contribution and equity injection expectations.
Use of Funds: See how SBA loans may support acquisitions, real estate, equipment, and working capital.

Have an SBA loan scenario to review? Market Direct Capital can help evaluate structure, eligibility, and next steps.

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