SBA Loan Rates and Requirements 2026 - LoanKey

SBA loan rates in April 2026 range from approximately 5.14% on a 504 real estate loan to as high as 14.75% on a fixed-rate 7(a) loan

SBA Loan Rates and Requirements 2026 - LoanKey

SBA loan rates in April 2026 range from approximately 5.14% on a 504 real estate loan to as high as 14.75% on a fixed-rate 7(a) loan, depending on the program, loan size, and your financial profile. This guide covers current rates for the SBA 7(a), 504, Microloan, and Express programs, the eligibility requirements you need to meet, loan limits by program, and a side-by-side comparison of top SBA lenders, so you can identify the right program before you apply. SBA Loan Rate Overview: April 2026 The Federal Reserve held its benchmark rate at 3.50% to 3.75% through early 2026 after three consecutive cuts in late 2025. The prime rate, which serves as the floor for most SBA 7(a) variable-rate loans, currently stands at 6.75% as of April 5, 2026. The SBA Optional Peg Rate for Q2 2026 (April 1 through June 30) remained unchanged from Q1 at 4.50%. SBA loan interest rates are calculated by adding a lender markup, called a spread, to a base rate. The SBA caps the maximum spread lenders can charge …

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