January 504 Funding Rates

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Rates will be 0.21% lower for manufacturers  (NAICS 31, 32, 33) if approved in the fiscal year 2026.  

The new SBA 504 Program Fees have been released for FY 2026. Any loans approved on or after 10/1/2025 will use a servicing fee of 0.209%. The new servicing spread will be 1.309%, a decrease of 0.122% from FY 2025.

The real estate 504 rates increased this month. The 25-year and 20-year real estate rates increased by 3bps from the month prior. The 10-year equipment rate increased by 2bps from November, as it adjusts every two months.

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Recent SBA 504 Deals from CDC New England

SBA 504 Term Loans:

·    Long-term loans for purchasing land and buildings, new construction, renovation, and leasehold improvements, machinery & equipment

·    Lowest cost; low rate fixed for 10, 20, or 25 years

·    Down payment financing, if needed

·    Bridge financing available

*Note Rate 4.771 + 1.309 servicing spread (25 years)

*Note Rate 4.790 + 1.309 servicing spread (20 years)

*Note Rate 4.331 + 1.309 servicing spread (10 years)

*For Loans Approved Between 10/01/25 - 9/30/26

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Contact CDC New England for more information regarding SBA 504 financing.