SBA Announces Latest Loan Interest Rates
Published Date: 6/30/2026
Notice
Summary
The Small Business Administration set the Optional Peg Rate at 4.75% for July through September 2026, which helps decide interest rates on certain SBA loans. This affects small businesses using SBA direct or 504 loans, with lenders capped on how much interest they can charge based on state laws. If you’re borrowing or lending through SBA programs, keep an eye on these rates—they impact your loan costs this quarter!
Analyzed Economic Effects
2 provisions identified: 1 benefits, 0 costs, 1 mixed.
Optional Peg Rate set at 4.75%
You are affected if you use SBA direct loans or certain SBA-guaranteed loans: the Small Business Administration set the Optional Peg Rate at 4.75% for the July–September quarter of FY 2026 (July 1, 2026 through September 30, 2026). This rate is a published base that may be used to determine interest on some SBA loans.
Cap on 504 Project Commercial Loan Rates
If you borrow from a Third Party Lender to fund any portion of a CDC/504 project, the maximum legal interest rate on that commercial loan is capped at 6% over the New York Prime rate, unless that amount exceeds the maximum rate allowed by your State's constitution or laws, in which case the State-permitted rate applies.
Personalized for You
How does this regulation affect your finances?
Personalize government policy and PRIA will tell you what this federal register document means for your household, plus every other regulation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Key Dates
Department and Agencies
Related Federal Register Documents
2025-02741, HUBZone Program Updates and Clarifications, and Clarifications to Other Small Business Programs; Correction
The SBA fixed some small but important mistakes in its recent HUBZone and small business program rules to make things clearer and fairer. These corrections affect small businesses using HUBZone and other SBA programs, especially around size protests and financial reporting. The fixes take effect on February 18, 2025, helping businesses avoid confusion and unnecessary paperwork.
2026-19941, Presidential Declaration Amendment of a Major Disaster for Public Assistance Only for the State of Indiana
The President has updated the disaster declaration for Indiana after severe storms, tornadoes, and flooding in August 2026. This change adds more counties to the list eligible for public assistance, helping more communities get support. If you’re affected, you can apply for disaster loans by October 25, 2026, for physical damage, or by May 25, 2027, for economic injury.
2026-19942, Presidential Declaration Amendment of a Major Disaster for Public Assistance Only for the State of Texas
Texas is getting extra help after severe storms, tornadoes, and flooding hit from July 12 to August 4, 2026. The government added four more counties to the disaster assistance list, so more communities can apply for aid. If you’re affected, you have until November 2, 2026, to apply for physical damage loans and until June 1, 2027, for economic injury loans.
2026-19943, Presidential Declaration Amendment of a Major Disaster for the State of Indiana
Indiana’s disaster declaration just got bigger! Three more counties—Cass, Pike, and Putnam—can now apply for physical and economic disaster loans, while five nearby counties get access to economic injury loans. If you’re affected, act fast: physical loan applications close October 25, 2026, and economic injury loans are open until May 25, 2027.
2026-19923, Administrative Declaration of an Economic Injury Disaster for the State of Florida
A big fire at an industrial salvage yard hit Miami-Dade and nearby counties in Florida, causing economic trouble for small businesses and nonprofits. The government is offering low-interest disaster loans to help these folks bounce back, with applications open until June 24, 2027. If you’re affected, now’s the time to apply online or in person and get some financial relief!
2026-19851, Administrative Declaration of a Disaster for the State of NEW YORK
New York got hit by big storms and flooding from July 28-29, 2026, and now the government says it’s an official disaster. People and businesses in certain counties can apply for low-interest loans to fix damage or cover lost income. You’ve got until November 23, 2026, for physical damage loans and June 24, 2027, for economic injury loans—so don’t wait!
Previous / Next Documents
Previous: 2026-13158, Agency Information Collection Activity: Request for Nursing Home Information in Connection With Claim for Aid and Attendance
The VA wants your thoughts on updating a form that helps veterans get pension and aid if they’re in a nursing home. This affects veterans applying for these benefits and aims to make the process clearer and easier. You’ve got until August 31, 2026, to share your ideas—no cost, just your input!
Next: 2026-13160, Commission Information Collection Activity (FERC-730); Comment Request; Extension
FERC is extending the FERC-730 form, which helps track investments in power transmission, for another three years with no changes. This affects companies that report on transmission projects, giving them more time to keep sharing their info. Comments on this extension are open until July 30, 2026, but no new costs or rules are coming.